If i have cell phone insurance for my iphone can i get a new one?

So when i got my iphone 4s i got insurance on it through verizon because i always drop it. So now, 6 months later, i've dropped it several times and the screen has some scratches and other blemishes, so i was just wondering if i could get a new one because of the insurance?
I realize i could just call verizon, but i like asking you guys.

It would have to really break.hit it with a hammer and you'll get a new one xD

The insurance will not cover scratches. It's has to be "broken" before they will replace it.