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cracked my galaxy 5s screen, I have insurance. Will using my insurance and paying the deductible utilize one of my upgrades for the future?

Miembro

Recently cracked my screen on my phone, I've had it for almost 2 years now and have insurance. My deductible is just over $100, but I'm wondering
if replacing my phone now with insurance requires the use of one of my upgrades or not? I'm looking to upgrade within the next few months, but don't want to be stuck with a refurbished version of this same phone for another lengthy time period. Any assistance in answering this is greatly appreciated!

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