I'm debating on whether or not I should add mobile insurance for my iPhone 5. It's $9.99 a month and if I lose it I pay a $200 deductible without signing a new contract. But my question is that what prevents anyone from making a fake claim and paying $200 to get another iPhone 5 (because obviously the market value is much than that even if the phone gets disabled)? Also what is the ease of filing a claim with Asurion? Has anyone has any experience with them or AT&T?