Asurion Verizon Wireless' insurance partner Asurion Cell Phone Insurance Rip Off, Internet

First off I would like to state that I am appalled at how much a company can rip you off, and that it is totally legal.  I had my cell phone stolen and called Asurion.  I expected to pay a small deductible.  I owned a 2 year old Blackberry storm, and they wanted to charge 89 dollars to get a replacement.  In small prnt somewhere, I guess it state that smart phones have a higher deductible.  I called Asurion, and waited on hold for what seemed an eternity. 

I was told when I purchased the contract that it was a 50 dollar deductible.  I am eligible for an upgrade on my account, but am waiting for the release of another phone. The fact that a Company like Asurion makes a mint in premiums, and in essence offers a replacement phone that is obsolete for 100% more than I can get one off ebay for is absurd.  Save your money. Do  Not buy Asurion. Poor customer service and misleading benefits on the front end.