Cell phones: Understanding Verizon Warranties

Understanding Verizon Warranties

I am on my third LG Voyager. The touch screens stop working after a while. I pay for the warranty every month, so I have been able to get replacement phones, though it has taken some effort at times.

I understand that I am covered in two cases: 1) I can return a new phone within 30 days 2) My warranty kicks in if it was dropped or lost, etc.

What surprises me (and I seem to have confirmed this with a Verizon employee) is that if the defect is not due to my abuse, it is not covered. So that puts my in the position of needing to say I dropped it, even though I would bet my paycheck that this is a manufacturing defect. I was even encouraged by the warranty company employee to say I dropped it.

If the phone in question is not the original but is a replacement, then I shouldn't say I dropped it.

I am not trying to trick anyone here, I just want a phone that works. This gap in coverage seems like it could be a problem, as cellphone quality in general is not so great. And considering they get $240 per contract warranty revenue from me plus $50-80 per phone, and a limit of 2 phones per year, they are not losing much.

Any one else concerned about this ? Am I misunderstanding ?