If you want to upgrade your phone, but you're not eligible for NE2, annual upgrade, or early upgrade, you'll have to pay full retail price for the phone.
You would only be eligible for an annual upgrade if you were the primary in your dad's family share plan. Given the circumstances, it is not likely that you are the primary number. However, all is not lost, if you are not eligible for an upgrade and you did not have insurance on your line you would infact qualify for the Lost/Stolen/Damaged program where you would receive the 1yr pricing on a device. It's not as good as the normal 2yr pricing but it's a lot better than full retail.
You'll need to have your dad authorize you on the account so you can call, or have him call on your behalf.
The 1yr pricing for Blackberrys are as follows:
Curve 8330: $119.99
Tour 9630: $269.99
Storm 9530: $169.99
Pearl Flip 8230: $149.99
All prices are after a $70 mail in rebate (except the Storm, it's a $100 MIR).
The Verizon people let us use my dad's upgrade for my phone in Fall of '08. He hasn't upgraded his phone. Does this mean I'll possibly be able to use his upgrade again?