The only time I have seen that many things go wrong with a phone at once is when the phone is liquid damaged. If you did not damage the phone in any way, you have a one year manufacturers warranty from the date of purchase provided by Kyocera that will fix it at no cost to you. As far as the $85, that is a deductible. Whenever you file a claim on auto, home, phone insurance, there is always a deductible. The actual retail cost of your handset is $400, so $85 really isn't that bad.
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LG - The Lamb of God.
...And he swallowed something stuck to a fridge? Darwin says let him die.