I doubt that VZW will do anything especially due to an accident on your part. You can call customer service or go the the store where you purchased and ask. Thankfully, you have the insurance.
well if verizon doesnt replace it for free im just gonna buy my self a new screen and fix it myself instead of blowing 100 dollars
Most times you can get a better deal with insuring your phone through your homeowners policy.
Verizon has a $100 deductible, plus they give you a refurbished phone for ~$9 per month, then, will only cover certain "faults."
My homeowners policy insured my phone for $900 with $0 deductible, all faults covered, with a new phone for $27.19 per year