Attaining insurance isn't always about what the insured may do, or fail to do. Often times, it is about what others may do that are unforeseen.
While the OP made a mistake that you and others may see as foolish, don't be so quick to climb up on your high horse lest you forget you have made mistakes in life as well. Unfortunately, it is part of the human condition no matter how smart and logical we may deem ourselves to be at times.
Rule 1. You can fall down while the phone is in your pocket. You can accidentally bump into something that you didn't see, or be pushed into an object by other person(s) that damages your phone.
Rule 2. You can accidentally drop your phone (for a variety of reasons) thus causing damage to the phone.
Your so called rules are not immune to the human condition of yourself or others. Until you can post some rules that are above such, your rules, for the purposes of posting them here do nothing more than show the myopic view they were posted with.
The OP could clearly make the case, that he placed the phone on the top of the car, so that he wouldn't risk damaging it by having to do whatever it was that prompted him to place the phone on the car. The OP doing what he did, in and of itself is not act that can readily be deemed foolish, in my opinion.
