T-Mobile insurance coverage?

[betty]

I have insurance, so if my phone is lost or stolen they will send me a new one.
How do they know if your phone is really lost? Is there something they can tell if it is being used?
My phone has a few scratches on it could i tell them it was lost and then they can send me a new one?

 

[Will1]

they won't find out i do that all the time.you call your costumer service and tell you lost you phone and they'll sent you a new phone. but if you said you lost you old phone you can't ever use it again cause they suspend it.