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Accidental Damage Coverage Discussion - Worth the added cost?

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So I'm configuring my system, and I decide that I do want to get accidental damage repair. I chose the 3 year option and then it prompts me with:

"The Accidental Damage Service must match the number of years selected in Support Service. Please click on the highlighted words to choose matching years of service."

This is pretty upsetting. I have to pay an additional $389 just to have accidental repair? I don't want 24/7 phone service. That is something I would never use. Has anyone gotten this accidental damage repair without the phone support?

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