Have apple care need phone replacement
Need a replacement phone mine was lose
iPhone 12, iOS 16
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Start your claim here if you have AppleCare with Theft and loss coverage: File a claim if you have AppleCare+ with Theft and Loss coverage - Apple Support
If you do not have a plan that includes theft and loss, or did not meet the requirements (Find My enabled, etc.) then you’ll just have to buy a new phone.