I want to replace an item I broke, instead of giving cash
Why would you want to replace it?
I already paid for it, and I just want it to work again.
If you broke it, then you should have to pay for the repairs unless you have insurance. You should go make sure that you don't have insurance and then pay for the item if you do not, because it wasn't the things fault that it broke, it was yours.
I'm going to get this on insurance one way or another.
Well if you have insurance, it sounds like you are covered. If not, then just pay for what you had broken.