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Today's topic is about how cell phone repair insurance companies are changing to benefit customers. Previously, if someone broke their phone and had insurance, they would pay a deductible and have to wait for a replacement. Now, companies are using cell phone repair businesses to do the repairs in-store, so customers can get their phones fixed on the same day. This shift in the process is putting money into repair businesses' pockets, rather than taking money from customers paying into insurance programs.