If it's actual physical damage, you are most likely going to be directed to file an insurance claim. This would probably come out to be the cheapest route, and it does not change your contract. To qualify for an early upgrade, you have to be on a high enough price plan and be at least a year into your current contract. That said, to take advantage of upgrading at the promotional pricing, you would have to sign a new agreement. Otherwise, you would pay full retail for a phone. You can definitely buy a phone on ebay or from someone you know. but just be careful because I've seen people buy them from ebay or where ever and they are still active on another account or reported stolen. Good luck, hope that helps!