I recently dropped my evo for the 2nd time. 1st time no noticeable damage. 2nd time (it has a Seido Inocase II) at the bottom of the screen a large ironic smile appeared all in green and black dead pixels. I have insurance, but its pretty pricy to replace this right now I also noticed 2 weeks into this phone (which is a replacement for my first 30 day phone) that I have dust under the screen (same reason I replaced the first at RadioShack) in the top left corner. Do I have grounds for a manufacturing defect from HTC? Or am I completely boned into paying the 100? Please anyone with insurance and/or HTC defect experience let me know!