Hello! I am with Verizon and I have the insurance on my Motorola 815. I was wondering how this whole insurance thing works. Recently I have noticed that the hinge on my flip part of the phone is coming loose. Can I send it in now before it completely breaks or do I send it in after it breaks? How long does it take to get it fixed or a replacement phone? Am I just without a phone during that time? Any help you can give me would be appreciated. Thanks!