No insurance unfortunately. I have never had problems with phones and always decline insurance.
I agree though. I don't see how a crack UNDER the glass of the screen is my fault when there is no other damage and I absolutely have not bumped/dropped the phone. Maybe I should have tried to fight harder; by their definition of 'any screen damage is caused by the user' they could pump out screens with minor defects that show up a month later and the owner would always be blamed.
And the previous poster is probably right, I doubt it was the Otterbox case but I'm just reaching for a reason that this may have happened. It probably is just a bad phone though and I hope I have no problems with the new one.
I was going to live with the crack, but of course my whole screen soon after started turning blue and becoming unusable (especially after every tech in the Verizon store kept applying pressure to the glass above the screen crack to look at it!).
If anyone else has this issue, know that Samsung will charge you $178 total to fix it.