First things first, talking about any kind of fraud is not allowed on DF. I'm not a moderator and you are fine so far. Just be aware of what anyone tells you. Secondly, after my wife left her phone on the back of her ambulance it fell off and got ran over. I bought a second phone off of ebay and tried to insure it. Verizon said since it was past 30 days I couldn't get insurance through them for the new phone. You might try calling one of the cell phone insurance companies directly to see if they will do it. Lastly, keep the phone off like everyone has said. My wife (yes again) dropped one of her old phones in the toilet. By the time the insurance replacement came in, it was working again and continued to for a year. Good luck!
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Thanks for the heads up, will watch what I say. I'm hopeful that it will turn back on in a few days and I won't have to go through any of that. I wouldn't mind upgrading anyway so if it comes down to paying for a new phone, I'll do what I gotta do.