changing actual cell phones really doesnt matter with the phone #. You can keep your same # no matter how many new or different phones you receive from the company.
As for the insurance thing, being an addict myself I know if I had no cash and a pawn shop was willing to give me 50$ for my phone and I had insurance on the phone where they would basically replace it free of charge well...it wouldnt take me long to make a decision on that one
or maybe hes just clumsy?