Ok, so say I've had my phone for a while. I bought one year insurance on it- it's coming to the end of that year, and my Incredible has a few scratches on it. If I break it intentionally will the insurance give me a new one for free? Also, if it does, what would be the best way to break it? Water damage maybe? Anyway, I know this sounds unorthodox but I really am wondering about this.