So I went to Verizon today to order my iPhone, and they gave me the lectures about how I need a case (which I'm ordering online, $55 for a case my ass) and insurance. They showed me two options, both of which were like $150-250 for two years, with a $150 deductible. I declined both because I heard that AppleCare+ was $99 with $50 deductibles. So I just had a few questions about AppleCare+, since I've never had AppleCare before. Is it basically $50 for any time I need a replacement iPhone? And when they say accidental damage protection, what does accidental cover? Broken screens, water damage, etc? Thanks.