I cracked screen doesn't prevent the phone from working. I'm not saying go run your damn phone over than get insurance, (i mentioned it and I'm sure people get away with it if the phone still works...) but if your screen breaks like this guys and they are saying insurance is your only option aside from say trying to take it to court, then get the f#####g insurance and get your phone fixed. Or call Samsung and demand they do something which may or may not work. If this is a widespread problem and they have to do a recall you'll more than likely be compensated but walking around with a busted screen sucks, especially when you didn't so it
I personally always have some kind of protection on my phone, careful or not it goes everywhere with me. Being in the army that means training and I've had some crazy stuff happen. You just never know, i figure better safe than sorry.
Sent from my frozenly delicious bionic.