I know dealing with insurance claim questions are always a pain but i am coming to you all for help. I have a regular customer who has a sk2 and needs to do an insurance claim the keyboard is peeling off and this many of the keys don't work. can any one tell me what the deductible now is on that phone and what will they be given as the replacement phone. I did not know if they still have sk2 or will they be using sk3 or a different t-mo pda type phone thanks in advance!