LOL, people make me laugh!! They come on here and b8tch and complain about not being able to get a Droid or having to pay the deductable but if you go back and read there are tons of "Oh I just lost my Droid wink wink, I guess I will get an incredible", or "OH NO I got a scratch on my phone so I will file a claim to get a new one!!", False claims is what leads to higher premiums and deductables and shortages!!!
I think people making claims should be held to a more stringent process, IE check the phone, if phone stolen then require police report and if lost well I think that should be dropped as if you lose your $600 dollar phone it will be a nice little life lesson in economics for you!!!