FORT PIERCE, GEORGIA -- I purchased 3 wireless phones.At the time I also purchased insurance through NCOA, I was told by the wireless agent that I should get this insurance because if my phone got lost or damaged I could get a replacement without spending a ton of money.I agreed and took out the insurance on all 3 phones. My son lost his in the bad weather right before hurricane Wilma hit us.He was trying to change a flat tire in a storm and his cell phone fell out of his pocket. I filed a claim through NCOA and was rejected. They told me my son was negligent in the use of his phone and would not cover it. Now this is the biggest bunch of bull I have ever heard,why have insurance if you are not going to cover the claim. I to am contacting the attorney generals office.