I was wondering exactly how the insurance policy works. I pay the six dollar amount monthly and I have had my phone replaced before. All I had to do was call the customer support and they would ask why I needed a replacement and send me one. Once I got the new phone I would have to send my old phone back, minus the battery. I'm not sure if this has changed now that I am a Verizon customer (former Alltel customer)? My phone will not charge when I plug the charger in so I have to make the charger sit at a certain angle so that it will charge and its been getting worse within the last few days, so I was just wondering if I could go through that easy process again to get my phone replaced. Any help would be appreciated.