Pay the $20 a month for the last 3 years, never had a problem before. This time around they had the phone but not the color option I needed and with my job, my uniform needs to be black. She told me those were the two choices I had, I can leave the claim open and check in later, to see if a black one showed up, I could buy a case, I don't feel it should cost me more money on top of the deductible. I asked if there was any other option she said no. What a waste of of money to pay for insurance for the last 3 years, added it up, its ridiculous.