If I get Total Equipment Coverage for Droid Charge, will I be billed $99 when my phone is lost

If I get Total Equipment Coverage for Droid Charge, will I be billed $99 when my phone is lost
and replaced with a refurbished Droid Charge?     (because of the $99 deductible)

Thank you to the community for your replies.
Its very frustrating when a device gets lost. Total Equipment Coverage protects you from paying full retail price for a device. Yes the deductible is 99.00 for a smart phone prior to Asurion sending out a replacement device. Please click this link to see the great benefits of Total Equipment Coverage.
Thank you

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