Complaint Review: Asurion Cell Phone Insurance - T Mobile

i had a smart phone that was stolen from me so i decided to use my insurance claim. i had to pay a 130.00 deductible to receive a new phone. the phone arrives the next day minus the memory card. i called t-mobile and was told that my memory card isn't included in my claim because it is an accessory. i was told that i was covered for all other accessories except the memory. the memory card was part of the g1 kit i had purchased. t-mobile and asurion  did not want to take responsibility for which one owed me a memory card.without the memory card i can not use my camcorder or camera.