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Insurance Question

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http://androidforums.com – My daughter's Dinc2 got wet during a rainstrom. The phone died despite placing it in a bag of rice. I called Asurion to get a replacement. I was told I was being denied a replacement because the device was not insured. I was shocked to hear this, as I have insurance on all 4 devices in our household (so I thought). Asurion said no and sent me on my way. I then call Verizon. The Verizon rep confirmed the device was not insured. According to her notes, I declined insurance when I opened the line for my daughter. I tried to argue, asking her why I would decline this policy, while having policie (General)