I work with adults with developmental disabilities in a socialization program. Today we took the group bowling, and a woman who cannot hear and uses sign language asked me for assistance. It appeared her lane had stalled and I happened to have my Droid in my hand as I attempted to press the lane "reset" button. Well, I guess I misunderstood what she was trying to tell me as she slapped my hand as I reached for the reset button which sent my phone falling on the hard bowling alley floor, the battery cover flying off. I saw red, but I should have told her to hold on a minute and put it back in its case before going over the help as this isn't the first time I've been slapped, pushed, pulled, etc. The Droid is fine, no scratches or any visible damage. I started thinking, however, that maybe it IS worth it to have the accident insurance in the event that something like this happens again. I just have the extended warranty as of now and my job requires I carry a phone at all times. I purchased the phone in early January. Will Verizon allow me add the total equipment protection (I'm assuming this includes accidental damage?) at this point as long as I show them that the phone is not damaged and functioning?