I've only had a Smart Phone now for about two months, and learned yesterday the impact of not having it. An accident yesterday morning rendered my phone useless. No huge problem, I bought phone insurance for just this reason. I went to the website of my provider's insurance carrier, Asurion and filled out their claim form. Their web pages says you'll likely have your replacement phone the next day, and indeed I did. it arrived about 4:30 PM today, or about 31 and 1/2 hours after the incident. After filing the claim yesterday, I called my own cell phone from a land line, and changed my outgoing message to tell callers not to leave a voice mail, but to instead call my home number. I didn't have to do that, but would have needed to check my voice mail from another phone frequently. The other concern was text messages. My provider does not offer a way to either go on to their website and ask that text messages to my phone to forwarded to my email, or alternately, gene...