Tmoble insurance disappointment

I have 8 lines all with insurance for more than 6 years over 500 a month my sons iphone broke only when I try to file a claim I am told to call apple when I pay 18 a month per line and apple tells me to drive an hour away or put a 1000 dollar deposit to have the phone replaced with a refurbished phone same service i would get from apple care direct for 10 dollars a month and tmoble does nothing to help assurance says I have to go through apple but I pay tmoble very unhappy on phone for 2 hours lisd to by tmoble on the phone while an assurance rep was on the line I feel ripped off after this experience