u/Neat-Dragonfruit9854

I just bought a Moto G in Norwalk, CA last week. I got a bit nicked by the store that signed me up for the $10 insurance. I didn't ask for it but thought great I can use it when I cracked my screen. The "premium" insurance has $0 screen replacement deductible. I contacted assurant and the want $25 to provide a replaced screen. Called Metro, same "well you got to pay it if that's what Assurant says." The brochure for their insurance specifically states $0 for screen replacement. Anyone run into this?