When a U.S. Supreme Court justice admits that he did not review his loan documents, I would CERTAINLY hesitate to call someone a "dumbass" for not reading the insurance small print. Who among us had the time or inclination to put a hand up and say to the BB cashier, "Hold on for ten minutes while I read all the fine print that screws me even if I read it."
I have used Sprint since I started in 2006. I had several problems with my HTC Touch (the original touchscreen phone. Sorry Apple.) I also had issues with the HTC Diamond. Every time I brought it in to the Sprint service, they either swapped my phone out in minutes or if they were out of stock, they had it to me the next day. NO deductible and NO waiting for repairs.
I am totally satisfied with Sprint service coverage. I haven't used the insurance part of it yet, but the service is worth the $10 alone.
Edit: Oops, that was the brilliant Appellate Justice Posner that didn't bother to read his loan docs. (And don't read the following unless you just want to be legally entertained.) This is what was said:
Judge Richard Posner recently admitted at an American Constitution Society conference on regulation that when presented with voluminous documentation at his home equity closing, he signed on the dotted line without reading the paperwork. David Lat, the Above the Law blogger, was incredulous:
"This generated laughter from the crowd, due to Judge Posner