Don't purchase phone insurance with AT&T which is covered by Asurion unless you enjoy frustration!!! I cracked my cell phone screen on my blackberry torch which is covered by Asurion insurance and I have been directed to fill out and have notorized a specific form along with a copy of my driver's license. If I would have lost my phone I could clearly see having to sign an affidavit because they are not getting the phone back...but for a cracked screen? They will get the phone and clearly see it's cracked and guess what ...that's covered!!! It is clearly their way of discouraging people that have been paying these monthly fees to use their service!! I spoke with a customer service representative that would not help me so I figured I could complain online...guess what, they don't have anywhere on their website to complain...imagine that!!! AT&T doesn't get involved which is annoying because they are using the service, it makes them look bad and they don't seem to care! I have had to replace my daughters phone using the insurance and NEVER had to go through so many hoops...beware if you purchase an expensive phone like the bb torch because they will try their best not to replace.