I carry Asurion insurance in my cell phone through T-mobile and my daughter lost her phone. I had a different phone replaced on the same account a few months ago and it was a breeze. This time their identification database properly identified me and then they transferred me to a different department and all of a sudden I had to fax them an affadavit. An internet form, with a copy of my drivers licence attached to it. The form clearly states that if the phone is purchased at a t-mobile center, kiosk etc.., proof of ownership is not required. After 3 faxes the superivsor told me that record of the phone on a bill is not good enough. We have had this phone for a couple of years and I dont have the original receipt or the bar code from the original box. And like an idiot here I am paying for a monthly coverage of insurance replacement. You know it sure feels like insurance fraud to me when they do everything in their power to not pay out a claim. Caveat emptor - let the buyer beware. Neither T-mobile or Asurion has called me back to attempt a resolution. Thank god asurion does not cover everyone (dont get phones with Alltel, Ampd mobile,Cellular one, Claro, Disney mobile, Iowa wireless, MetroPCS, Palm, Suncom, T-mobile, Tracfone, Union cellular and Verizon) next time I am going with Qwest Wireless. T-mobile was not even concerned when I said I was going with a different carrier when this contract is up in January. T-MOBILE DOES NOT CARE ABOUT THEIR CUSTOMERS.