still lost

finally got a "live body" with the insurance company who covered my phone. I asked abt the type of replacement phone I'd get if I placed a claim with them and the lady told me the only way she'd know that is if they start the claim process. well I don't have the deductible.

If I ask my mom for the money, I won't be able to pay her back until sometime in December, which would screw up my Christmas shopping