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My friend accidentally dropped my 200 dollar phone in a creek and it got water damage and now it won't work. I have to pay a 50$ deductible for a new phone and she is only offering to pay half. Do you think this is fair? I feel like it's not fair because it is not my fault and if I ever drop my phone in water again I won't be able to get another one because of the insurance policy.If it's not fair what do you think I should say without sounding mean? Thanks.
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