I can't understand how you can even think that. It is insurance that I PAID for and will possibly pay a deductible for if I cash in on it. The same way if i scratched my car and wanted it fixed. Nothing dishonest about it. What someone else considers normal wear and tear may be different than what I think. Good luck going through life with that closed minded thinking.
oh and just so you know....when apple sells applecare+ they really push the fact if you want a new phone b.c of cosmetic damage you can get one. I have even been told to drop it by their employees.
So with your logic since I pay for homeowners insurance, and since my home now has some cosmetic damage, it would be ok for me to just burn it down and ask for them to build me a new one? I mean I pay for that insurance so I am entitled to use it, right?
I realize that is an extreme example, but the principal is the same. Insurance is for accidental damage and manufacturing defects. The policy states that cosmetic damage and willful damage are excluded. By intentionally dropping your phone and then claiming accidental damage, you are committing fraud, no mater what you think about it.