I have the same problem. I dropped my new Droid 4 from my coat pocket while on my bike, and didn't realize it was gone for like 30 minutes. So I rode back and there it was, lying in the street....with a pretty awesome spiderweb (mostly on the bottom of the screen). I've learned to ignore it for a couple months. Well you guys have comfirmed what I suspected, that I'd have to pay like a $100 deductable to get it repaired. From what I ascertained soon after the mishap, you can order a kit with a new screen for like $50. I just am not too mechanically minded so I guess I'll wait for many more months till I can afford to get it repaired. The cracks add character, anyways The phone is fully operational still. I just haven't used it for games since this happened.