A typical excuse used to turn down your claims at eSecuritel is "No cause for damage". If you cant give them an overly detailed "accidental event" that you can prove you didn't cause, your "Rejected".

Prepare your story because they claim to tape you. Always request a copy thru your cell company, that's what got me my blackberry! My carrier even got them to send me a new one, that's almost unheard of. I canceled my insurance then and there!!

Smaller companies become bigger companies by limiting the numbers of claims they accept, making ever changing "interrupting" of their terms of service.