You can always buy a housing from
Cellular Accessories - Accessories Store, Samsung, Nokia, SonyEricsson, BlackBerry, Tools, NEC, Apple,
Or
HorizonWirelessOnline.com - Horizon Wireless, The World’s Cellular Repair Center ß
That's always better than committing insurance fraud. And the housings are about $ 50 which is half your deductible. Everyone wins. You don't go to jail and you change the color of your device!