READ FIRST BEFORE FILING INSURANCE CLAIMS THRU ASSURANT

Not at all. Its actually to deter people from getting insurance if they dont have to, however, carriers get you by leasing out the phone to you which forces you to get insurance until the phone is paid off. Once the phone is paid off, it seems like a smart idea to insure the phone in case something happens. Until you get charged an exorbitant fee because the insurance company didnt receive their free phone.

Im detailing the differences and responsibilities based on a the claim type as well as the gray area insurance companies use against people where they should be somehow responsible or take responsibility for the insured items in exchange.

In my case, I had sent a defective phone back using the insurance company provided packaging and label with the instructions to send it back (no special requirements on how, where or what way except using the carrier service of the provided label).

My package was lost/stolen and never arrived at their facilities. In that instance, my phone is lost/stolen, however, due to the original claim Ive now become responsible for the lost item (fully owned, paid in full) and now owe the insurance company $600 on top of the deductible paid to receive my replacement device.

In no way should any company be able to charge a client for an item they didnt receive, never owned or had any investment in the property. The cost of the item sent as a replacement is covered by the deductible and monthly investment the owner pays to insure their device. But they do, and get away with it while the person is left to pay out an amount that would've bought them a new phone. 

If the phone doesnt work and you need it replaced. Throw it away. Its a lost cause and lost. Keeping possession of a broken item youd never use and cant be fixed is the crime.