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I'm confused about the Asurion insurance?

I've been faithfully paying almost $10 every month for insurance on my daughter's Iphone 5C.  Well, after over a year of use, she dropped it and shattered the screen.  I went to the Asurion site and filed a claim, but it requests that I pay a $169 deductable to replace the phone!!!  A new IPhone 5C on the Verizon page is only $99.00.  Why does this make no sense to me?


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Re: I'm confused about the Asurion insurance?

The $99 price you see on a new phone is the subsidized contract price. Full retail is several hundred dollars. In that regard, the deductible is a better deal. If you didn't have insurance you would have had to pay full retail to replace the phone or find a used one from a 3rd party. It sucks but you can't look at the subsidized price and compare if you aren't eligible to get that price at the moment.