I am having money problems, I recently got my own account after being on a family plan for the last 8 years or so. I have been pushing my bill back using the promise to pay feature and haven't made a payment yet since switching to my own account. My phone has been acting weird and I may need to file an insurance claim. Will they approve my claim if I haven't paid anything yet on my new account I.E. my phone bill which includes total mobile protection? Will I need to catch up on my bill or can I file the insurance claim and be sure it will be approved.