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Yep, the exact reason I dropped my carrier's phone "insurance" a couple years ago. I had a Palm Treo go belly-up and they wanted $120 deductable to send me a refurbished phone! Even back then I could have sourced one NIB from CL/ebay for that amount or less. I inquired to the high deductible, and they said there where two deductible "tiers". Cheap phones were like $75 and "higher-end" (smart) phones were $120. I cancelled that crap immediately. Consequently, I called Palm (business support) directly who replaced the unit for free.
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