I got an iPhone 16 pro max with ATT in December. It fell off my car in March and asurion with ATT wouldn’t replace my phone even though I had to pay for it. I wasn’t getting a free phone or a brand new one and they kept saying that I wasn’t using the insurance for its intended purpose yet they wouldn’t tell me what the intended purpose was or what I was doing wrong. It’s pretty sad that all the money I pay them and the fact that I had to pay for a replacement for a refurbished phone is sad and appalling. The phone is not repairable and yet they won’t help or replace.