Apple Care & ATT insurance doesn't cover shattered phone - why?

AppleCare has never covered user caused damage - it provides

protection against manufacturing defects. I do not know the provisions

of AT&T insurance so I cannot comment, but you should have been

given documentation when you signed up for the AT&T insurance or

find it on the AT&T website.

Do you have AppleCare or AppleCare+? Provisions are different and

details are at Apple.com

$199 US is the price for out of warranty replacement on an iPhone 4S.

Check with Speck to see if they provide any assistance/coverage for

using their case.

The Apple Care+ being sold now, for the iPhone 5 DOES include two "accident" incidents, though you must pay an additional $49. for each of those events.

I confirmed that includes drowning the phone or shattering the glass. It must be purchased within 30 days of the the iPhone 5 purchase and a Genius will have to inspect the phone prior to purchase. If puchased at the same time as the iPhone, no inspection is necessary.

Cost in the U.S. = $99.00 and Apple does label is "Apple Care+."

I forgot to mention, for the iPhone 4S, there are many independent repair centers that will repair the shattered phone in <30 minutes. I have three such businesses within 10 miles of my home in NH. Found them with a G web search for iPhone repair.

That is not totally true on the DOES part.

It depends on the extent of the damage.

A normal shattered glass would be covered under app+

A phone that has been ran over by a car or a phone that dropped and broke into a bunch of parts would not be covered. That's catastrophic damage and excedes the normal accidental coverage.