Hi guys, I just have a question about this warranty. So Microsoft indicated that this warranty covers 'accidental damages', such as spills and drops. I'm just curious... do they REALLY give you a replacement in the event where you accidentally drop the device and it becomes not fixable? It sounds too good to be true for only like 150 bucks. Also, I'm concerned about people abusing this warranty (by dropping on purposely after, say, a year). How do they deal with these people?