Do I have the apple care plan?

I have the iPhone 4S that i bought from the verizon store and I dropped it and the cameras not working right, & the top metal part is coming off. I have Asurion but I don't trust that. Would apple replace my phone for free? I always forget to call during the day and the nearest apple store is 45 minutes away. Appreciated

No apple will not replace that for free. If you bought the Apple care plan it would cost $50. But you did not say if you did or not.