So, if my phone happened to fall out of my pocket from about ten feet up, and crack into a few pieces... do I have to get the same phone through my insurance, or can I take a different one at the same or lower value? Note that I'm not eligible for an upgrade, and would really not like to get the same phone I have now. (I currently have the rezound, and though I didn't drop it on purpose, having to charge the battery three times a day made me want to smash it at times.)