insurance, &, see additional--? After buying a Samsung Galaxi S. , at a Target retail store, t-mobile kiosk, for $79. On Sale! compared to t-mobile's $200. something! , in July of 2011. I failed to get insurance! ,then, in Aug. -Sept. , I. cracked the entire lcd screen! , when I. DROPPED THE PHONE! Now, I pay $7.99 / month, for insurance! But, it is after the damage! ! My question is ; can I now put a claim in, to replace my cracked screen phone? ? , with the cost being $130. For the deductable? , rather than pay $200.+ for a screen replacement, or new phone ( $350. - 500. !). I have the Vibrant version, but, it is only 3g., &, it doesn't tether, to my laptop! ! I need those features on my phone! ! This is a perfect case for ; why you should get some form of insurance, on your cell phone! ! :-( I am kinda weiry, to ask t-mobile people, due to the circumstances,etc... I still have the box, cords, etc... Or, how long should I wait, to do that? ? Does the deductable ever go down, if I wait longer? ?