[phloyd]

This might be off-topic since the following happened with my wife's Moto Q9c.
We had a similar thing happen with my wife's phone, a Moto Q9c. I didn't have the insurance plan (neither the $4 or the $7 one) on our account. I went ahead and called Sprint customer service and explained what had happened.

The first CSR I talked to basically said that since I didn't have insurance on the account, the best bet would be to purchase a new phone, and that I should be able to pay the price on the website as long as I extended the contract (we were 5 months into a 2-year contract), and transferred me to Sales.
I had a long conversation with Sales, but basically they said I couldn't do that, and transferred me to Technical Support.
I again explained the problem to Tech Support, and I don't know if I got someone in a good mood or what, but she said she would look to find a replacement phone for us, and put me on hold for almost 10-15 minutes. When she got back, she said she had found a device for us, and that it would be mailed out at no cost.

It arrived two days later, and I had to send the original (damaged) phone back to them in a prepaid envelope. We received a refurb phone without a battery, but we didn't have to spend a single penny to replace the phone. Maybe you can try your luck in your case too!

Good luck!