I think it's wrong I've been charged by Verizon for insurance and I really need my phone fix ASAP but I can't afford $249 to the "Other" insurance company for them to fix my phone. I think it's a rip off! I need my phone but the $236mth payments then they want me to pay $249 to fix tiny crack which my phone now has a line in middle my screen and getting very hot I'm scared it's going catch on fire. I can't afford both. I am disabled and live off little money a mth. Verizon is killing me. I think they need to do something about our issues. And paying a Second hand party to fix our phones and we pay insurance so much a mth threw Verizon. 🤬