Hi. I also got this insurance thingy with my phone... Basically, what i understand from your quote off of the contract or whatever that came off of, they would send you probably a Refurbished Storm. Meaning somebody else had it, probably had a small defect, was returned, checked thoroughly, and repackaged (which, from what i have heard and understood, is way better than getting a new item, as the refurbished ones get taken apart and checked very very thoroughly). As far as them sending you another type of phone, i don't think they would do that, but that's my opinion. If anything, they will do what they did to my friend, which was to give him a pearl, while he waited for his "new" curve to come in the mail....its like a rent a car i guess
...lol