ok tough guy, first off i didn’t call you a liar, i said your statement was not completely true, and yes i do have grounds to say that as i work for the company and you don’t. Next, i never once claimed that i believe or even think all my coworkers are honest people, there are bad apples in every bunch, but i can tell you with 100% truth, phone representatives get NO commission what so ever, however store reps do. So think about that next time you think someone on the phone is trying to make a quick buck off of you by making you buy a new phone, we don’t get anything, no commission, no bonus, not even so much as a pat on the back. Last, i never said that the Razr-I was or was not covered by insurance, i simply said that most new and/or expensive phones are NOT covered, you may want to go back and check my post just to make sure but i’m 100% positive i never quoted you anything about your razr-I.