Different strokes, I guess. To me, it wouldn't be rewarding him for breaking a phone, I just wouldn't want to fork out $150, when I could sell it on FB garage sale page and, use that money to buy a brand new one. That is assuming it wasn't on a payment plan and was just bought outright. I wouldn't necessarily replace it with an Iphone, probably just whatever smart phone I got a discount on and the proceeds covered. On Verizon, I'm always getting special offers. I wouldn't have made my son, as a new driver, pay to fix a vehicle either, if he had accidentally backed into a tree. Unless he purposely rammed something or was farting around with the radio or something like that. Accidents happen, especially when you've got a new driver. I would never have assumed he was being "careless"... I would have chalked it up to inexperience!