I have a t-mobile Samsung Highlight (ICE) and some one stole it while I was...

...in school,what to do....? I have a t-mobile Samsung Highlight (ICE) and some one stole it while I was in school,what to do....I have insurance on this phone of course but I do not want the same phone I already had I just want to get a new one...so would I have to pay to get a new phone or would my insurance cover it so that i could get another phone for free or at least with a discount?
 
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