My screen is smashed and lock button doesnt work, i pay insurance but apple is making me pay $230 when i havent even had my phone for a year! This happened to my friend and they just replaced hers :(

My screen is smashed and lock button doesnt work, i pay insurance but apple is making me pay $230 when i havent even had my phone for a year! This happened to my friend and they just replaced hers :( :(

Apple doesn't sell insurance. Talk to your insurance company.  The warranty does not cover accidental damage or abuse.
If you purchased AppleCare+, you can get up to 2 discounted (US$49) replacements over the course of 2 years for user inflicted damage. Sounds like that's not what you have.
As I said, talk to your insurance company.

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