Hi! Thnx for help in advance. Friend lost phone, but has insurance. He is also out of contract. Suggested he get a sim @ Tmobile store (corp) and use old phone while insurance sends replacement. Friend says rep would not provide sim for free, and says the rep told him insurance would replace old phone only (as it's what account would show) and not the actual lost phone. Does T mobile replace sim for free? Was rep correct about the insurance, or only trying for upgrade? Thanks again, any input appreciated.