Motorola Mobility — Screen shattered!

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Not even 3days with the phone, I bought the Otter Commute Series $40 and a $30 screen protector, it's a Motorola one 5G 2021. I sat down phone fell out of my pocket still shattered. This is the 3rd motorola one I have purchased! Don't get me wrong I love the phone!!! But simmlier accents with same phone? There is a pattern starting here! ... I just think I should have to pay for another phone! I'm seriously disappointed this can't be resolved through insurance company through the dealer (T-Mobile)