There have been MANY reports of broken screens over in Incredible land already. Im not sure if its the OLED screen being more fragile or its the flimsy nature of HTCs casings. Some people have dropped there handsets only 2 feet to hardwood floors to find broken screens. One guy missed his pocket and dropped the phone on his lawn and the screen cracked. Sooo I would suggest getting the insurance and a good strong case at least at first just to be safe. Only time will tell we wont know for sure until we start dropping our EVOS!