Try making test calls to someone and use a wired headset.
If they can hear you better - that you know it is the mouthpiece microphone that has gone bad.
If they cannot hear you better - something is wrong internally with the phone.
Usually insurance replaces your phone with a REFURBISHED unit. They check everything at least once before they send out the units, but problems that are intermittent - (just show up some of the time) don't always show up in testing. So yes sometimes you get a dud, and they have to replace it again. If you already paid a deductible, you won't have to pay one again. The refurbished one should be covered free for the next year!!
Testimonial: "Thanks, I called verizon and they are sending a replacement free of charge. Thank you!"
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