Early in my career, I had a situation where I was selling consumer electronics and I had sold a high-end smartphone to a customer. I had recommended that he put insurance on the product, and he was resistant at first. He didn't think that he would need it, and he didn't want to pay the extra money. I pointed out to him that the warranty service wouldn't cover any kind of accidental damages and that the amount that he would pay for the coverage was far less than the replacement cost if anything should happen to his phone. He finally agreed and left the store, and about a week later, he came back in, sought me out, and thanked me very much for having talked him into the coverage, because it turns out within a couple of days, he had dropped the phone and cracked the screen. He needed a replacement under the insurance coverage.