I just want to thank you, XelhaBB, for posting this thread. 
I had an accident with my phone a few days ago. My husband and I have Verizon, and I didn't realize that he had put insurance when he got our Storms, and apparently he had forgotten as well. I was really sad about the accident with my phone because I could not afford a new one, or even something remotely close to it. I would have had to get a little cheap flip phone, used, possibly from ebay.
Well, I saw this thread and I was like, "Well, let me just put a claim on it, maybe Verizon will call me with a deal or something."
I put in my information and it said I had my insurance and a 50 dollar deductible!!! I was so happy I almost cried. lol. I am pretty frugal when spending, and phones are my big yearly splurge.
So, just letting you know you helped me out big time. Thanks so much!! <3