Broken iPhone 4S with insurance?

I dropped my iPhone 4S and the back & part of the front is broken, it still works but I do have insurance, would I have to pay to get another one? I have At&t btw and I've had this phone since May

You pay to buy one or go to repair shop. Or use your another phone

It depends on your insurance cover. If your insurance covers accidental damage, then they will either pay for repairs or give you a replacement phone. You need to call them up and ask. However most insurance cover is just for theft, not damage. In that case you would have to pay for the repairs yourself.

Yes, you pay your deductible amount and send in the old phone.

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