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Help What am I looking at?

I thought there was a way to contact HTC and have them replace it for you, for a fee of course :D

Someone correct me if I am wrong and if I am not does anyone know how to go about doing this, for future reference.

I never thought this would happen.... Dropped my phone today and the screen cracked towards the bottom, it has like 3-4 lines running about halfway up the screen. The screen appears to be intact and the outer shell thing is what's damaged. Naturally, I don't have insurance so does anyone have any advice? Btw, I'm a poor college student.
 
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