I know people that had cracked screens and kept using their phones for quite some time afterwards. The phone looked pretty rough but it worked. If the phone is older, the cost to repair it may be higher than the value of the phone. If it's a newer phone, most are so glued together that repairs can be difficult.
If you bought the insurance on the phone when you got the phone, you could try claim it that way. Other than that the cell carriers and phone manufacturers don't usually deal with the 3rd party cell repair shops. You might luck out and find a half decent place, but there are some horror stories out there about people that had their phones fixed but got them back with more probems.
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