The screen is shattered which sucks. It's still usable but looks horrible. I have insurance on it so I have some questions as to the whole procedure i'll have to go through when I bring it to verizon. 1: Does my insurance cover if I drop it? 2: Do I have to get a new phone or can they send it in and get the screen fixed? 3: Do I have to pay for a new phone? If so will they then send me a new one and let me keep my old one so I still have a phone while I wait? It sucks because I've never dropped it, and it was just my luck that it falls right on the screen.