Well, I had that nightmare moment at about 2 am this morning. I accidentally washed my year old Verizon iPhone. To say I'm sick about it would be an understatement. Luckily, when my wife and I purchased our phones last winter, she insisted on insurance. During my lunch break, I filed my claim online for a replacement and I'm hoping to have it in hand tomorrow. Man, oh, man am I just sick over this. I have a couple of questions though: Will I be getting a new iPhone 4 16 gb (black) or a refurbished? Is there a chance that they will send me a white 16 gb 4? Has anyone gone through this proces with Asurion and were you pleased with the process and are you happy with your replacement?