Problems with T-mobile insurance (Assurance)

Zortech wrote:

So I lost my phone at Bush gardens, likely on a roller-coaster recently.  Filed an insurance claim, as its a lost device it went pretty smoothly.

My device was recovered a few days later by bush gardens, it took a good knock. Somehow the screen survived but the back really didn't (glass back).  It looks like it sustained some good nocks and now rattles. 

I tried to correct the claim with Assurance, switching it to Accidental Damage as I do have the old phone now.  However they want me to send back the new working phone instead.  Then after the claim has been reversed file a new claim as Accidental Damage.

Hope honesty pays in the end.  But probably most people would have kept quiet about the recovered old phone.