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I bought the Sony accident coverage plan for the PRS-500 that I had but never needed to use it over the year of ownership. When I upgraded to the 505, I bought the 3yr accident warranty.
From what I understand, if you break the screen -- you will get a new screen installed for no charge. After that incident, the warranty is NO LONGER VALID. It is a one time replacement deal.
So -- check the other insurance programs to determine if they are like the one from Sony or just cover repairs outside of the screen.
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