So AT&T/Asurion is denying my claim because I'm still using the SIM card which was connected to my iPhone X after the loss. This is because I lost my phone while I was traveling to India and my SIM wasn't working in India. So I tried using another SIM on my device, which didn't work either, so I put the AT&T SIM again hoping it will work this time but it didn't even then. Frustrated, I removed the SIM and was only using my device via WiFi. Now they are saying that the insurance is on the SIM not on the phone, therefore since SIM was removed from the iPhone X when it was lost, they can't give me a new device. But on the policy it clearly states, and I quote, "For coverage to apply to a particular device, you must own or lease the device and have used (logged voice or data use) that device on your enrolled wireless line after initial enrollment. Coverage applies to only one device at any given time and the covered device will be your most recently used device on your wireless line at the time of the loss." In my case the most recent used device was iPhone X so I don't understand how does it matter if I'm now using my phone on a different device AFTER the loss.