I have a cracked screen and a scuff on the Bionic screen. I want to get a replacement through Verizon. When I owned a blackberry I would call up and tell them some keys werent working (even though they were) and they would send me a refurb free of charge. Can I do this with the Bionic? The BB was under a corporate account and my Bionic is a personal device. I am not sure at what point I would go through my insurance company to get a new one compared to getting a refurb through Verizon.