DON'T go through insurance! Sorry for yelling. lol.
I had the same problem with my Evo. Two weeks ago, I decided to fix the screen myself. I bought a digitzer from Ebay for $13 and free shipping. It took 4 days to come from CA to GA. I just followed the Youtube video exactly. The hardest part is separating the glass from the Evo if you don't have a heat gun. So I used a blow dryer, it took me about 2 hours to get through that step, ending up that I was doing it wrong. Then I reused the same adhesive from the cracked digitzer. And you just follow the steps backwards. It seems complicated, but it's not that complicated.
However, when I was done, the touchscreen wasn't working. So I just took it to Sprint, and they gave me a brand new Evo!
If you go ahead and do it yourself, I'm here for any questions.