Verizon is my carrier, I did not buy insurance. Haven't had my S5 for 2 months & I've cracked the screen and probably the LCD. Local replacement for screen? $240. Samsung asked about whether the display still worked, and I had to say I didn't think so. I was quoted $161 to replace the LCD. I asked about extra costs such as the screen, but was simply told $161 to replace the LCD, cash upfront. Are Samsung repair shops ok? Should I expect that this will total what I was quoted ($161)? Any other thoughts on mitigating costs? Not so confident about doing the repair myself. Thanks in advance for any thoughts or help with this.