Usually the $50 is if u have insurance or are VIP. What it takes to be VIP idk. All I know is I am. However I have seen friends that go to verizon wihout insurance and get replacement. Technically the rep just claims as manufacture defect even if screen broke and since it is still under manufacture warranty they can swap it. But as said in other post it really depends on rep. Some are jerks some are nice. Doesn't hurt to at least try. Worst case they say no. Heck I have been told no. We went back next day with dif rep and then been told ok. Or even just went to another verizon store. Just make sure store u are going to is not just authorized verizon dealer. Make sure it is a corporate store. Good luck. When/if you get new phone insurance is always worth it. You have a 2 year contract. Anything can happen. Espacially with smart phones.