If so I sure could use your help..We need claims to be made , jobs are at risk!! Make lots of claims.If not needed cancel in four to five days ..Keep your insurance cheap and jobs secure..You can replace your damaged phone for $35 dollars if you had your insurance for over 65 days .. take advantage before they change to the one rate of $50 dollars.If you have had your insurance for less than sixty days then it would cost you $75 dollars... Neither a bad price to pay when you damage or lose your cell phone...It will nearly cost you retail to replace your phone without insurance or a new contract or contract extension...Feel free to make bad claims , they persue prosicuting no one... Thank you ...