I just got a android, and am thinking I might want to get insurance coverage for it. I like to mountain bike, and I carry my phone with me. I could imagine my self crashing and damaging the phone, possibly even cracking the glass. Would this type of incident be covered, or would this be considered misuse? Also, it seems that everyone says that the coverage through Verizon is $7.99/mo. From the website I see that insurance is actually $6.00/mo, and the extended warranty is $1.99/mo. I don't really think the extended warranty is needed, since 99% of manufacuring defects show up well before the 1 year manufacturer warranty. Any comments on this?