Cell phone troubles!

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I believe that I must have the worst luck with my cell phones. Somehow, I continually manage to ruin them and then I have to pay for another new one. Yesterday I bought a new belt clip for my Motorola Razr. Unfortunately, the clip didn't grip tight enough and it fell off as I was getting into my husband's truck. We were talking and didn't hear it fall. He then drove forward and when I found my phone later, the front screens were shattered. It did still send and receive calls though! Prior to this, I broke one when I wrecked while downhill skiing. I dropped one into a river while canoeing, lost one in a snowbank when moving out of my apartment, and lost two that fell into the toilet bowls :(. Has anyone else had such bad luck with their phone?