Just wanted to update everyone
Got my phone replaced thanks to American Express (thanks whmurray for the suggestion I look into that). I had to call my bank's help line as they provide the AMEX, and after filling out a lot of paperwork I was able to be reimbursed for the replacement cost. I had to send the phone in to Apple for repair, and then send over my repair receipt along with the documentation on the original purchase of the phone to the AMEX claims people.
Received my repaired phone, and just yesterday got my reimbursement check. I also now have an Incase Slider on the phone (love the case).
So don't hesitate to investigate the AMEX purchase protection route if you happen to drop your brand new phone!
