No insurance, bought the phone outright on Friday. Then decided to cancel AT&T and switch to Net10. So I am really out of luck. So it looks like I have to spend another $450 (hopefully they wont make me get another account).
I drive a Honda Civic so I would say no more than 2 feet off of the ground. Never had a problem other than a light scratch on the body with dropping my Nokia 900 multiple times over the last 6 months. I've been really impressed with Nokia's build quality and support so I am really hoping that the phone just hit the right spot to make it shatter.
I wonder if putting an Invisible Sheild on the screen will reinforce the glass not to shatter if it lands the same way as before...