Single crack in middle of screen on iPad.

How the world does this happen and what is your opinion on warranty coverage?
The nitty gritty:
iPad is a refurb because of a defect in original one purchased which was exchanged with this one. (Original one was exchanged at one month old.)
iPad is only 2 months old.
No Apple Care.
Ultimate care has been taken with this device and the crack happened while I was using it, while sitting down, playing a card game. Device has always been in a case and has never been dropped, flopped or mistreated.

Apple's Limited Warranty http://www.apple.com/legal/warranty/ for iPad excludes coverage for damage resulting from accident, disassembly, unauthorized service and unauthorized modifications. 
Out-of-Warranty Service
     If you own an iPad that is ineligible for warranty service but is eligible for Out-of-Warranty (OOW) Service, Apple will replace (Apple doesn't repair) your iPad with an iPad that is new or equivalent to new in both performance and reliability for the Out-of-Warranty Service fee listed below. (The replacement will most likely be a refurbished iPad in a brown box, however, it has a new screen, back and battery.)   
iPad model
Out-of-Warranty Service Fee
iPad mini
$219
iPad 3rd, 4th generation
$299
iPad 2, iPad
$249
A $6.95 shipping fee will be added if service is arranged through Apple and requires shipping. All fees are in US dollars and are subject to local tax.
Certain damage is ineligible for out-of-warranty service, including catastrophic damage, such as the device separating into multiple pieces, and inoperability caused by unauthorized modifications. However, an iPad that has failed due to contact with liquid may be eligible for out-of-warranty service. See http://support.apple.com/kb/index?page=servicefaq&geo=United_States&product=ipad
Make a Genius Bar Reservation
http://www.apple.com/retail/geniusbar/
You may can get the iPad repaired at 3rd party repair sources for less $, however, any remaining Apple warranty will be voided.
iPad Repair & Screen Replacement Services
http://www.ifixyouri.com/16-ipad-repairs
RepairZoom iPad Repair
http://www.repairzoom.com/ipad-repair.html
Mission Repair
http://www.missionrepair.com/Apple_iPad_Repair_Services_s/431.htm
iGadgetResQ
http://www.igadgetresq.com/ipad-repair/
 Cheers, Tom

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