what is it replaced with if you have insurance. i heard it's not available anymore so would i get a different model or do they have some stored away in a valut of old phones? they say lock/line will replace it with a "like model of equal or lesser value" does that mean.. like.. i'll get a candy bar phone with a camera? or does it mean i'll get one from the same manufacturer?

basically has anyone had their t637 replaced lately and what did you get as a replacement?