We know that having your phone stolen or lost can be a traumatic experience, however if you subscribe to wireless insurance through your carrier it makes the process a little less painful. Except when your wireless insurance provider tells you that one dreaded word you don't want to hear: You're getting a "refurb." The problem occurs when people pay the $50.00 deductible and more often the cost of the refurbished phone is less than the deductible. Last week a federal judge approved an initial settlement between Asurion and Lock\line that affects approx 15 thousand customers and soon they will be receiving the details of their settlement. Signal Holdings, the other major cellphone insurance company, is waiting their trial date to be issued.