Lets start with what you suggest is essentially fraud, but I am sure you know that right?
In my experience with insurance they have always made me send back the damaged phone (if not they charge you full retail) and you get no choice of color in fact according to their terms they do not even have to send you the same model balckberry just a blackberry. That said I have always gotten the same model as my damaged one. I work in extreme environments so my phones take a beating.
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