Can I please get some Verizon help?

[BigAl]

Hello, if I could get some people who either really really know what they're talking about as far as Verizon goes or some people who actually work for Verizon Wireless, that'd be awesome! Okay so here's the situation: I was washing my hands today at work when I felt my phone vibrate. So when I took it out I tried opening it (enV3) with one hand while continuing to wash the other hand and accidentally flipped the phone into the sink. So it got reallyyyyyy water logged and I tried drying it out a\ll day under a fan and everything and nothing worked. So my question is: if I were to go and try to buy a new phone tomorrow, would it be listed as a full retail priced phone? Or would they somehow give it to me as though it were a new 2-year contract priced phone? And if my plan holder (my Grandma) has some sort of insurance on it, is there any way to get a new phone virtually free or pay a lot less money for a nice phone? Thanks for all of the help guys. And if anyone makes fun of me for dropping it in the sink with the water, I swear to god I'll report you. I know it was stupid and foolish and air-headed, and I won't do it again. But I don't like to be told repeatedly how I screwed up. Thanks.