I would think it would depend on the severity of the damage and how much it impacts daily usage.

Here is what's NOT covered, according to the Guide to Benefits:
• Cosmetic damage to the cell phone or damage that does not impact the cell phone’s capabilities and functionalities
• Cell phones which have been rented, borrowed or are part of pre-paid or “pay as you go” type plans

https://ecm.capitalone.com/WCM/card/...g-proof_v1.pdf