I had 2 claims within 1 year so now Verizon will Not insure my phone!!! Even though I have to pay the expensive monthly payments! Furthermore, if I did have a claim, I would have to pay the huge $149.00 co-pay!!! I have been with Verizon for so long and Never have had claims up until lately. Just a bad year, I guess. Can happen to anyone. My account is so old it is grandfathered in!! So, I just want to say this doesn't seem fair to me Verizon!!! After my phone is paid, I am for sure, leaving!!!