Kyocera Koi KX2

VZW will cover all but physical (cracked plastics, cracked display, etc..) and liquid damage (pop, coffee, watter, oil, any liquid). All other defects (display stops, mic stops, cant hear, etc..) are covered. In the case of physical or liquid damage, VZW does offer insurance for $5.00 a month with a $50.00 deductible, which is alot batter than full retail. And the best part all you have to do is take it to a VZW company store (not a reseller, radio shack, Jim's wireless, etc..) and the repair will be done in store, usually same day.

One more thing.

I understand that getting loud does sometimes help, but answer me this about insurance.

Say I do not get it (Insurance) and my phone breaks can I add the insurance at any time and then take the phone in once it kicks in? I know that is highly unethical, but I would be a liar if I said I was not interested to know.

No, you only have a seven day window from the day you purchase a phone to add verizon's insureance. The insurance is actually through a third party company, its just billed to you through your Verizon bill. The thing to remember is Kyocera only offers a one year warranty on the phone. If you get a two year contract, you should purchase an extended warranty to cover the second year of your contract. An extended warranty from Radioshack, for example, would fix your phone if it stopped working and also replace your battery, which you'll need to replace probably two to three times in your contract if you talk alot and use all the feautres on the phone frequently.

Partially right, in order to receive total equipment coverage "TEC" (more about this latter) you must add it within a grace period (I believe 15 days) but insurance can be added any time in your contract. Yes the insurance is through a third party company but TEC is through VZW. TEC is insurance (third party) combined with an VZW honored 1 year extension to your warranty. Yes Radio Shack's service plan does cover the battery but that is the only advantage, although VZW covers you battery through the manufactures warranty for 1 year so this only extends battery coverage for a year. Radio shack's service plan does not cover liquid or physical damage and is not honored by VZW, they also send the phone away for repair which in my experience (I u...
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Just an FYI... Lock/Line will send a data test to the phone to see if it is functioning. This is who Att and Cingular use. They may also call the customer as well.

before i became a technician i worked in retail, i found that a customer could get most of what he wanted by being vocal, and that is pretty much the case with all companies, (it not the right way, but it works), the second but best option is the insurance, i wouldn't by it on a penny phone, but the koi isn't a penny phone. The tech news (we have a tech testing it out) that i am getting from the Kois says its a very good phone, the only worries that i have about it is the swivel, so i would buy the insurance it will save u money in the long run.