i know i didnt have insurance on my old phone but i fell in a lake with it. so i opened it up...let it dry out and then brought it back to the verison place. tell them your phone mysteriously stopped working. even if there is evidence that it didnt just mysteriously stopped working just be like i dont know i used it in the evening and in the morning no luck. they would rather give you the free phone (which costs them a total of $2) and keep you happy. oh and my number is 9732299758. good luck in fla buddy...
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