Dropped my phone for the first time tonight, of course, shattered the screen. I'm on an employee plan, and I have the monthly insurance. My sister (a sales rep), said that sometimes they will be able to replace it through the store for free, if not, I will have to pay 90 bucks for a deductible. Who has gotten their phone replaced for free, or who has had to pay that 90 bucks? Any feedback would be great.