Please advise... My phone is 2 months old so clearly im not due for the new every 2. I am always so cautious with my phones. Had a verizon case on. Been a verizon customer since it was Cellular One. DONT HAVE INSURANCE because its such an extra added monthly expense. We have 3 phones, pay $200/month to Verizon Wireless. Unfortuantely, as i had read, the Incredible is way delicate and it dropped maybe 18 inches and boom its history. Do you guys suggest anything to get a replacement? Do you think they will work with me if i handle the situation in any specific way? Thanks!