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Apple Explains Why It Won’t Make iPhones With Replaceable Batteries
(www.inverse.com)
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You should read AppleCare+ ToS before you make that claim. They will absolutely let you file a claim for accident damage (it is spelled out in the ToS).
AppleCare is not warranty (but is an equivalent), while AppleCare+ is the equivalent of insurance. I've edited my post to clarify this a little better.