2 years ago when I bought the OG Droid, I dropped it in the parking lot just 2 weeks after getting it. Cracked the screen across the lower corner, put some scratches in the glass and bezel. I was bummed. Later that day I added insurance, with the full intention of waiting a few weeks or months to first see if I was going to drop it again, then file an insurance claim. I knew it wasn't right but I knew I was going to keep insurance on my account forever forward after that. (was trying to justify it) I never did file a claim, my screen worked fine, I got over it, I didn't want to pay the $90 deductible, and I didn't want to go through refurb hell. Still carrying that insurance with the Bionic and hopefully will never need to use it. Another option besides paying retail to replace a non-insured phone is to have a third-party shop do it or buy the parts and do it yourself.
Motorola Replacement Parts - Screen, Battery Replacementsand
Full-Service iPhone & Droid Repair & More. Seattle & Nationwide - Jet City Device Repair They don't have Bionic parts yet but they will in time.