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Replace phone or fix screen?

Hi Everyone!

I just got a new iPhone 5s a week ago, but I've already cracked my screen.  I'm torn between just getting the screen fixed or using the Verizon insurance and replacing the phone?  I know there's a possibility I could get a refurbished phone, and although they are like-new, they're not new-new and that bugs me. Just looking for opinions! (The price of the replacement and fixing the screen is the same)

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