So for my ex phone if it broke to get another one it would be that I had to pay $50 , so I'm guess it's just like getting it as if an upgrade so now I have a htc evo and I was wondering if I broke that one would I have to pay $200 or $50 because my bro say $50 I say $200 because it was like that after mail and rebate and please tell other information u know about the insurance thx in advance