As an FYI, I dropped my phone yesterday and completely shattered the screen. I don't have insurance on the phone and was outside the 30 day period so they wouldn't let me add it. The phone still works fine so I brought it to Verizon hoping they could fix it. They said they couldn't but are sending me a replacement phone for $50.
I'm not sure how I got a replacement with no insurance for less than the deductible if I did have insurance. Maybe they screwed up but this isn't the first time I've heard of them doing this. Maybe it's because the rest of the phone was fine and only the screen was damaged?
The replacement phone is probably a return or refurb but that's fine. I'm just happy I don't have to pay full retail for a new one.