Unfortunately I was one of the people that pulled the tab. Ugh. But honestly, I've NEVER owned or seen a phone that had this. In fact, I had a crappy curve that I was constantly taking the battery out of with just with my hands, so I figured this would be the same.
As many people have asked "What were you thinking??" Well I thought it needed to be removed in order for the battery to touch something? Looking back on it, I realize that it was stupid. But I guess I was equating it when a child gets a new toy and the batteries are installed, but there's a piece of plastic that is between the battery and the metal piece inside. They insert that in there so that it doesn't drain the battery.
I'm assuming since there seems to be quite a few people that have done the same exact thing as me, they'll probably make an exception for it. If not, then I'll probably just cancel my insurance or just tell them it got stolen if something does happen.