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Why did you not have insurance?

99% of the time I’ve seen this sort of stuff happen it’s because there was a screen protector or someone shut some crap in the lid.

Why should you need insurance on something that should be covered under the manufacturer warranty?

The manufacturer doesn’t know you didn’t leave half your rice lunch in the lid when you closed it.

I am confident that I treat my laptops very well. According to the article linked above, this issue has been occurring during normal use.