Why some strange things happen in our life?

Have you ever dropped your cell phone in a toilet and, god forbid, it’s a public one? There are some places I simply refuse to go. Perhaps if it were at home, I’d put on rubber gloves and take a shot, but in a public restroom, never. That’s why I have phone insurance. I’d rather pay the deductible. That being said, I have seen people go find a janitor to fetch the phone for them. Hope they tipped well.