VZ Insurance and the VX9800

Ok, so my 5 month old "V" is dying (I suspect its electronic, it *freaks
out* regularly - it was fairly reliable up until recently). Eh. No
great loss but I'm wondering what I would get if I were to fire this
phone off through Aserion or whoever their name is, or should I attempt
to get it repaired through LG.

My idea with the insurance is... Assuming they give me any lip, I've
got a phone, with a keyboard and bluetooth and EVDO. The phone does not
serve my needs with any less than that. Does this argument work with them?

BS