I just cracked my screen bad, I was getting out of my 4runner and forgot it was in my lap and it fell face first. I picked it up and almost had a heart attack then dropped it again face first and cracked it more. I have a case on it (incipio frequency) that didn't help protect it. Is it true that insurance won't cover cracked screens? My phone looks like crap now lol. Edit: just noticed that I'm in the root side I didn't notice cause I'm using my new spiderwebbed phone.