I have my verizon account for 10 years, first 5 years I bought insurance but never claimed for anything. One day I dropped my phone in the ocean when I pulled the anchor off my boat. I can't get the police report but anyway, I paid $50 to get the phone. Next day, I received the refurbished phone Dead on Arrival. I called them to give them 2 choices: refund my $50 deductible and give me a brand new phone FedEx next day standard. Or I cancel my plan (cuz I paid insurance for 5 yrs, plus every month I paid at least couple hundred $ for over minutes which I used for business and that time VW did not have unlimited minute plan). They were fair enough to send me brand new phone with out deductible. I didn't think insurance works for me, so I cancelled it until now. Last year, I broke the screen on my phone when I carry the big speaker for the show, but i didn't have insurance. I went to verizon, they exchange for me almost free (paid small cost), to get the refurbished phone with warranty. Overall, verizon have a good network compare to att, tmobile etc.. they have a good service, but they have very poor technical support and "Not good" phone compare to others. This is my own opinion!!
