No warranty covers damage you caused. Some problems are just yours to pay for.

Some costs do not get shared, shifted or appealed. You dropped the phone, so the repair is yours, and hunting for a clause usually costs more effort than the repair is worth. Working out early which kind of problem you have saves a great deal of energy. Not everything unfair is also somebody else’s to carry.

When something breaks on you, ask one plain question: is there a real claim here, or am I just hoping. If it is yours, price it, work out how many shifts it takes, and start. Paying for your own mistake is unpleasant and also oddly steadying.