I got tmobile service and insurance. my internal speaker on my pearl stoped working. should i bother getting it fixed or just "loose it" and get a new one? does anyone know if insurance company are giving out new phones or used ones.

Idk about which to claim (prob a broken speaker), but i am pretty sure you will get a refurbished phone.

You probably will get a refurb phone. But T-mobile customer service have always been overly helpful in replacing phones for me.

i just called them up and their replacing the phone for me free because of the one year manufacture warrenty. sending new over night for 10 bucks and stick the old one in the box and thats it.

Yup, t-mobile has always been awesome with replacing devices.... One thing to be careful of is if the water sensor has been activated they will charge you $100 extra and yes you will receive a refurbished device...