I have the exact same plan as you: the main line and 2 family. If you didn't have it insured, you'll have to pay for a new phone. Probably the cheapest thing to do would be to go to somewhere like Wal-Mart and buy an ATT/Cingular go-phone because that way you get the chip and phone together, take it to your nearest ATT store and have them assign that chip the phone number of the lost phone. You'll probably have to pay an activation fee too, but trust me, it's the cheapest route. I've had to do that before and then you can use the go phone until it's time to upgrade.
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