I dropped my X off of my bike yesterday at around 45 mph. Good news battery popped out, and I found the back, battery, and the phone. I put the battery back in it fired back up. The screen is still perfect. However the housing is all screwed up. It broke the bottom cover below the buttons off, and it is dinged all around the edges. I was wondering will insurance replace it, even though the phone is still working, just all messed up.