I have an iPhone 5s and my screen popped out. I am paying insurance can I just go and ask them to replace my phone or do I have to pay for phoneclaim or any company similar to that?

My back camera won't work. Also if I try to use my camera my phone keeps restarting.

If the screen popped out, then make an appointment at the Genius Bar at the nearest Apple Store. The device is still under warranty and unless this is user damage, they should replace it. However, Apple makes that call. I wouldn't worry about insurance unless Apple will not replace it.

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