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What are other options for receiving a replacement phone?

I have insurance on my iPhone and was wondering if I could just go to AT&T to get the replacement phone or if I could go to the apple store instead of getting it in the mail? My phone is fine now I'm wanting to know for future reference...I've misplaced a few in the past

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Who do you pay the insurance to? Apple, or is it part of your cell phone bill?

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It's part of my phone bill
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