How about you buy the 5s and give her your 5?
Or buy the 6 and get AppleCare+ and you should be taken care of for two years.
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Here is what I would do if I accidentally bend my iPhone 6: take it to Apple and exchange it for another since I have AC+.
I will certainly not post about it on macrumors.
You realize that you only get 2 returns for "accidental damage" under AC and neither are free right?