I've never heard of that, all though you could make a claim on it, get the phone back from insurance, sell it on ebay and use the profits to buy a used phone. Just make sure you have a back up phone to use in the meantime. Also don't let insurance in on your plan.

Nope, they only will give you the ROKR. At my agent location sometimes we have spare screens that our tech can put in. You could try that at you closest US Cellular. It might cost less than the insurance claim.