i searched the keyword "insurance". the thread i am looking for there was a post by a member here who had a break down of paying sprint insurance and a reason why there isnt a need to pay for insurance based on his/her opinion on $. i think this thread was made and posted on around june/july i dont recall. there is a crap load of threads and i searched what i can but hoping the person will recall the post or thread and link it! thank you for your help!