I know I have been in your shoes before Miscoo51. I know it is never a good feeling when your screen is cracked. I would love to help. The deductibles can vary. You can find out what your deductible is here: Verizon Insurance: File Your Phone Claim Online Click on "FIND OUT NOW." Does this help?
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MISCOO51, it's not very costly to have a iPhone screen repaired. I'll tell you from experience is to have it done at a Apple store. Reason being is that Apple runs test on the iPhone before replacing the screen. But most important is they recalibrate the screen. That is not done by non Apple replacements because of the cost of the equipment to do it. And if you don't have repairs done by an Apple certified it voids any Apple warranty. The recalibration is major on how the iPhone responds after Apple does the repair.