OMG - I am sooo careful with my phone, has a case, screen protector. It fell off of my lap this weekend, hit the floor of my Jeep (the metal part) and then landed face down in the driveway (dirt). Cracked from left to right where the lock/unlock screen is and you can see where something hard poked it at the beginning of the screen. WOW and of course no insurance on my phone. I've never dropped my phone anytime.