Do you not know that in this day and age, everything is someone else’s fault!!!

(BTW I totally feel for the OP, I had similar happen to me when my phone fell when I was on the motorbike - only my camera shattered and thankfully, I had AppleCare+ - but in today’s society it is a problem with the phone that it can not survive a simple fall from a travelling motorcycle onto concrete!)

Hope you get sorted OP!