My daughter has a Blackberry curve and carries it in her front pocket. On one particular day, the pixels had bled across her screen, ruining her screen. I contacted Verizon and was told that as long as it was not damaged and had no water damage that the warranty would be better to use than the insurance I have on the phone. I sent in the phone and a few days later received an e-mail from Verizon telling me that it was not a mechanical or technical issues and I would have to pay $300 for the refurbished phone that they sent to my daughter that doesn't even text properly. I am a single parent and my account has been in great standing, but these jojers keep coming up with excuses on me having to pay the $300. I wonder how many others they have done this too and if we can get a class action law suit started?