How to deal with a lost phone?

Just wondering about my options here.
I purchased an LG enV® TOUCH in the middle of July 2010.  Today, I think I lost it somewhere on the college campus I attend.  My friend sent a text message to my number with contact information, and I sent another one through MyVerizon, so I'm hoping the person who finds it is... reputable and can return it.
Provided that's not the case, however, what can I do?  Do I go ahead and suspend the phone's service now, or do I wait and hope that someone nice gives it back?
I am not aware of any warranties on my phone.  I think I apply for the whole Certified Pre-Owned Replacement Device thing since it's A) the first time this has happened and B) within the period of not having happened in 12 months.  However, I'm a little unclear on what this entails.  Do I have to buy a new plan at full price?  A new phone at full price?  Does the latter depend on things -- i.e., is it possibile to get a replacement phone at no cost, even if it's... uh... less than adequate?
Just trying to clear up a few things.  Many thanks to the person who can help!
Tyler

JamesBJames wrote:
Just wondering about my options here.
I purchased an LG enV® TOUCH in the middle of July 2010.  Today, I think I lost it somewhere on the college campus I attend.  My friend sent a text message to my number with contact information, and I sent another one through MyVerizon, so I'm hoping the person who finds it is... reputable and can return it.
Provided that's not the case, however, what can I do?  Do I go ahead and suspend the phone's service now, or do I wait and hope that someone nice gives it back?
I am not aware of any warranties on my phone.  I think I apply for the whole Certified Pre-Owned Replacement Device thing since it's A) the first time this has happened and B) within the period of not having happened in 12 months.  However, I'm a little unclear on what this entails.  Do I have to buy a new plan at full price?  A new phone at full price?  Does the latter depend on things -- i.e., is it possibile to get a replacement phone at no cost, even if it's... uh... less than adequate?
Just trying to clear up a few things.  Many thanks to the person who can help!
Tyler
Thank you for the great input Jjcagl2030!
In addition, if you have phone protection (insurance) for your phone, you can file a claim for an insurance replacement at the link below:
www.phoneclaim.com/verizon
If you do not have insurance, you can find more details about our Certified Pre-Owned equipment program at the link below:
http://support.vzw.com/information/cpo_replacement.html

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