First things first: I edited a word out of your reply. Please keep it family friendly.Asurion is absolute garbage. Everytime I have dealt with them I get a tingly feeling all over me. I recently upgraded to the Razr. It wasnt by choice. My touch screen stopped working on a phone I received from Asurion a month prior. Apparently I wasnt convincing enough that the phone stopped working on its own and they flat accussed me of dropping it. I tried to claim it on the insurance which since I had already claimed two phones in a year time period it was cut off the month prior. End result is I had to buy a new phone. I bought the phone at Best Buy so that I could take advantage of their insurance instead. Ive seen good reviews on it and it seems alot better to me. Its two bucks more per month but there is no deductible. Also, if you break your phone you just go there instead of waiting for two days or whatever amount of time it takes. I have four phones on my plan so as soon as the other ones are available for an upgrade I will buy them from Best Buy as well. Ive emailed Verizon to let them know that they lost that sale of the phone. Hopefully if enough people bash Asurion to Verizon they will get rid of them.
BTW, if you crash your car you call YOUR insurance company not the insurance company forced upon you by the manufacturer or dealer.
Second: Asurion agreement states 2 replacements in a 12 month period. You will also receive a certified like new phone.
Third: Check that awesome Best Buy insurance plan - if you get your phone wet, which happens A LOT, it is not covered under the Best Buy insurance. If you don't believe me, give them a call.
Have a nice day.