Verizon iPhone 4 screen cracked?

I usually have my iPhone in a speck case, however, I have to take it out of the case to put in in my running armband when I got for runs. I went for a run today and when I took it out of the armband I completely fumbled my phone and dropped it, causing the screen to crack very badly. I got my phone through Verizon and my parents told me that they purchased insurance for the phone. I was wondering if a cracked screen is covered by my phone insurance and if I should go to Verizon to get this fixed or the Apple store?

The insurance is through Verizon so you will have to go to them to get it fixed.

You need to go get it fixed

I didn't send mine to an apple store, even though I was supposed to have cover, they wanted to charge me almost as much as a new iPhone to fix it? I sent mine to PhoneHub who fixed the whole thing for a fraction of a cost. I think it cost me about £80.http://www.phone-hub.co.uk/

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