I dropped my S4 getting out of the car yesterday and when I picked it up 3/4 of the screen was black and it was still functional if i knew where the buttons were to make calls. Anyways I called att to get a warranty replacement and i know its not covered under warranty if its cracked. I noticed this morning that it is cracked in the bottom corner. How much is the out of warranty replacement? Should I cancel the warranty and go with insurance replacement?