I decided to opt out of insurance for my droid eris when I got it two weeks ago, because it always seemed like a waste of money for the past few years. Then yesterday I got out of my car, and my phone happened to drop out of my pocket, hit the ground, then get kicked-no, I did not have the intention of kicking it, but I didn't realize it fell until after. At first I was scared it was broken, but upon inspecting it, it turned out only a little scratch on the top left corner, nothing on the screen, or anywhere else. I guess insurance would be a good idea, considering I do not use a case. Anyone else out there have any close calls with their droid/eris'?