I have had my incredible since January and February and love it! I have insurance with verizon. So i guess i have it with assurion by extension? I was wondering how verizon/assurion handled blown speakers. Is it "my fault" in which case i would need to pay the 90 deductible, or is it a defect in the phone? Would i be sure to get a new incredible? I don't think i would like a Droid X. I might be able to deal with the incredible 2's larger screen, but i am not sure how much i would like it. Does anyone know if there are incredibles in stock? If it is not considered "my fault" by verizon/assurion would i still have to pay the deductible? I know there are a lot of questions. Thanks in advance.