My Cingular mobile broke. I have insurance but don’t want to pay $50 for such a cheap phone. What can i do?

I have a Samsung X427, and have had it a year. I left it on a store counter, they called me to come and get it. When I bring it home I look inside and see that screen is smashed and wont work. I have lockline on the phone but they want $ 50 so they can send me a refurbished phone. Do I have any other options?
I have a year to go on my contract.

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