No, you need to search the term 'insurance fraud'. There is a financial gain. You are getting a brand new housed phone. New screen, new battery and new housing. You are capable of selling that device at a higher resale value than just a device with a new screen, old battery and old housing.
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Insurance fraud is any act committed with the intent to obtain a
fraudulent outcome from an insurance process. This may occur when a claimant attempts to obtain some benefit or advantage to which they are not otherwise entitled, or when an insurer knowingly denies some benefit that is due."
By breaking the device intentionally, you are trying to obtain a benefit of getting a replacement device that you were not entitled too originally. You were entitled to a screen replacement because it was only the screen that was damaged. If you intentionally break the device to get a replacement after the accident had occurred, that is fraud.