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Cell phone insurance: What should i say to make sure they cover a damaged iPhone?

My cousin dropped her phone yesterday while at work, on the floor. I haven t seen the phone since she did it, but she said it s been acting up and some of the glass came out. She does have cell phone insurance, and her carrier is T-Mobile. Pretty much what I m asking is, what should she tell T-Mobile, or the insurance to make sure they cover the phone. It was a complete accident. I just don t want them to say its all her fault, and that she needs to pay some crazy amount to get a new phone. Which actually won t even be new because the insurance company always send you refurbished phones. PLEASE HELP!!! Thanks in advance. The only reason I m mentioning the carrier is because the way T-Mobile does their phones is you pay a certain amount for the phone when you first get it, then however much per month extra (depending on the price of the phone) for 24 months until it is fully paid off. I think she is about half way paid off, which is like $350 that she s already put into the phone.

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