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So if you dont have insurance call up and try and add it then wait a week and make a claim.
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^^ Ditto. Mobile phone insurance is a beautiful thing. You may get a refurbed unit, but all the refurbs I've received look brand new and work great.
Also, I would do a search in this forum for "replacement parts" or even "rail." There are multiple threads with links to online stores who offer replacement OEM parts. The parts seem pretty cheap too