My husband purchessed a new cell phone for my birthday the sales rep offered a protection/replacement plan he bought it but upon trying to use it I was told by Al at the warranty phone number given to me by radio shack that hes sorry but the plan we bought doesnt cover accidents even though she told us over and over again it even covers WATER damage!!! I now have 2 cell phones and a camera bought from radio shack with protection plans that dont cover anything!!!

You need to consult the terms of your warranty and not rely on the made up conditions in your mind.

NO cell phone warranty will cover water damage. In fact, every phone I have ever purchased I am told "WATER DAMAGE IS NOT COVERED" and it is ussally in bold print on the warranty sheet.