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Its too bad that apple does not offer some type of inusrance on the phone, but we all knew that going into the deal. I have called both my insurance companys---Farmers stated not going to cover the iphone, but covered my Mac Book Pro for 20 bucks a year. USAA is looking into it and should call anyday..However this sounds great but if you make a claim watch your rates go up for a small phone.

I do agree your mistake and you need to pay the 199...Put a screen protector on with a case.

I have a screen protector with a case and still put a polishing cloth on top of the screen when placing in my pocket.
 
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