Can I use a family members upgrade on another line?

So my mother currently has an upgrade on her line but doesn't intend to use it. I however do not have an upgrade until January but need to get a new phone. Instead of using the insurance and paying $150 for a replacement iPhone 4, I'd much rather just spend $199 for an iPhone 5...obviously. Is it possible for my mother to order an iPhone 5 on her account, and then activate it on my line so that I can use it?
I think I've heard that Verizon won't let you do this unless the new phone has been active on the original account for like 3 months, but that seems stupid to me. Why do they care who gets the phone?
Any info would be appreciated. Thanks.

Yes you can do that. What you would have to do (if you have a consumer account, not a business account) is first activate the phone on her line, deactivate the phone and then reactivate it on your line. As long as you are with the primary account owner, you can head to the Verizon store and they will do everything for you. It get's a little tricky if you try to go without the person who is the Account Owner (i've had problems in the past). But you can absolutely upgrade her line and then activate the phone for yours. They just can't transfer the upgrade since the phone is pre-ordered.

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