A lost or stolen phone will NEVER be replaced by the carrier. CDMA phones will have the ESN removed from the system so they can't be activated ever again and GSM phones will have the SIM card locked so it is useless to anyone else. Of course this only happens if you report it to your provider.
BTW, if you don't report this then YOU are responsible for all charges that the thief/finder may rack up by using your missing phone.
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