I'm not trying to be rude or anything. But If something happens to your phone. And you didn't take the ext warranty from the provider. Then, if something happens to your phone. You have to call the manufacturer. It's like if your TV breaks. You won't call your cable provider to see if they will replace it for you. Just my 2 cents.
Maybe your credit card has an extended warranty protection for 3 months. I know mine does and it covers accidental damage or theft. It's called "Purchase Security and Extended Warranty Protection"
You can shop with peace of mind with our Purchase Security and Extended Warranty Protection! If a personal item that you purchased with your TD Credit Card is stolen or damaged within 90 days of purchase, you may request replacement, repair or reimbursement. If the item comes with a manufacturer’s warranty, you may be entitled to double the warranty period by up to 12 additional months.