Asurion is insurance in case you lose or destroy your phone. It's a separate company, not Verizon. And it in no way assures your of getting a NEW phone, only a replacement.
You've probably read it before, but I'll say it again just for fun - rooting and installing a decent ROM (plenty to choose from) will get rid of the dialer lag. That's THE reason that I rooted my phone, and it's certainly made a believer out of me.
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