<strong>For Those Prone To Misplacing Their Cell, Providers Offer Some Help</strong><br />
Companies will often try to pawn off a "refurbished" phone to their
insured customers anyway, he said, and it may not even be the same
model you had. Some insurance plans also require customers to pay a
deductible of about $50 and file a police report to prove the phone was
stolen, he said. "Imagine if you had insurance on your car, it
was totaled, and they sent you somebody else's used car," said Harvey
Rosenfield, founder of Consumer Watchdog, based in Santa Monica, Calif.
"Generally speaking, it's a rip-off."
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