Outside 9 I assume you have never misplaced anything in your life! I paid the high replacement cost it was 140-160 I honestly don't remember the cost I paid, but it was really high! If you were to put my new refurbished insurance replacement phone right beside my old " lost for 3 days non refurbished phone" you could not tell the difference there is not a scratch on either one. With that being said I would love to call the insurance company and get my money back, but unfortunately for me it just does not work that way. The monthly fee's for insurance and then the deductibles are probably so high due to the cost of the phone did you ever think of that? They are basically your old PC that is sitting in a corner somewhere collecting dust.
I feel you made a BOLD STATEMENT on my character that was unjust since you did not k ow the whole situation. Imagine being without a phone for 3 days. Well actually that sounds great to me piece and quite! However I have to have a phone for my business!
Sorry you feel like I am part of the reason smartphone replacements cost so much that was not my intention at all.
Josh