I have insurance on my iphone?

Recently i accidentally put my iphone down the toilet and its not working properly so what do i do, do i call the insurance number or apple store i heard you have to pay because they don't do water damaged

Let it dry out, or if you have insurance for losing it just say you lost it, if you don't, let it try out, for a couple days and say it has stopped working only if you haven't got stolen/ lost insurance