Hello everyone! So I just bought a black Iphone 5 32gb (only a MINISCULE scruff on side, dont even notice its there unless you do an OCD comb over.) With ATT you have the 7 dollars a month insurance with two claims. Does this insurance overlap apple insurance or do they work side by side? (example: if i get a replacement at apple and it is faulty, can I get another replacement from ATT with the insurance claims?) Thanks guys!