My phone had the touch screen go all psychadelic when it got a little rain water on it while I was walking. I took it back to Verizon to check it out and they gave me a new one (like 20 days after getting it). But it was covered under the insurance plan. I totally agree that it wouldn't be right for them to just give a new phone any time somebody brings in a phone that doesn't work, that's why you are a fool if you don't get the insurance
I personally think insurance is a big scam. If u didnt mean to harm your phone you should be liable for a new one, insurance or not. After all your the one paying them thousands of dollars a year to use their sevice when personally i think it is only worth a few hundred a year. And really no one cares if you are playing them for a new phone because you accidently broke yours. These phones bearly cost anything thing to make and yet they are selling them for hundreds of dollars.