I had been lied to and told that by paying the premiums for Asurion, that I would get a NEW phone if mine was not up to par. Battery drain is a big issue (phone is a little over a year old). If I agree to a replacement and just get a "refurbished" (aka used, pig in a poke) phone (can you tell I'm angry) will I be any better off? Has anyone any first hand experience with this?