If i report my iPhone 5 lost or stolen with AT&T, What do i get?

If i report my iPhone 5 lost or stolen with AT&T, Do i get a brand new iPhone 5 or a refurbished one?

It depends on what kind of warranty you have.

Neither, unfortunately AT&T doesn't provide insurance for lost or stolen phones… Until its reported stolen you are on the hook for charges so you should call and report it. As for a new iPhone if your contract isn't up for renewal you will be out of pocket full price for a new one.

You have to pay a fee for a replacement ASSUMING YOU PAY THE MONTHLY FEE FOR INSURANCE (probably about $100 for an iphone 5) and they'll send you a refurb one.also, if you activate your old one, it'll be marked as stolen and the user will get into trouble, probably a fine.

Well they aren't just handing you a new phone for free because you lost yours. They aren't stupid.

If its under warranty you will pay $149 and get a referbished iphone 5 and the lost iphone will be blacklisted making it useless as a phone on and carrier.