iPhone 16 pro lost, bought iPhone 17

Hi,

I bought iPhone 16 pro on contract from Rakuten with 48 installments in Dec, 2024. 5 days ago I lost my phone, even though I has loss and theft warranty with apple care, it was pain in the ass to claim loss and theft simply because I had no other apple device to execute two factor verification. It seemed like chicken and egg issue. W/o active phone number, or family sharing and active apple signed in Apple ID I lost hope and ended up buying a new iPhone 17(fully paid) sim free from bic camera and added my eSIM to new phone. After access to new device , just while ago I was able to confirm the last location near a police station so it seems that my phone could be retrieve as I also did report to police earlier. I have already started using and logged in to this new iPhone 17 and seems like bic camera is pretty strict on return even if I do factory reset. So what are the possible options to me if I want to seek this phone at the price I bought with two year theft and lost warranty 156k ish JPY. W/o warranty it was 130k JPY. I would like to stick to my previous phone anyway cause I will have to be stick to paying rest of installments. Please advise in right direction? So that I could make my net loss 0.

by M_R_S02