Yeah total rip off !!! I was in the process of filing a claim until I got to the point of paying $169. I aborted because my deductable as I was told was suppose to be $99 and not $169. When did that change ? Then all the complaints from customers about used and dirty phones being shipped for replacement. I'm due for an upgrade anyway so I'll just pay the extra $31 and get a new iphone 5. Hope you get your new phone cassjoy11.