It happens so quickly. Your bag slips open or the dog trips on the power cord. Then the thud. The first thought that races through your mind is thank god I backed up last night (yeah right). You hold your breath as you press the power button. As it starts up, you vow to start backing up your data regularly. And to be more careful. You exhale. And then you see it. The screen isn’t cracked, but the image is. You blew your LCD. If you twist the screen just so, you can still read enough to look up the address of the nearest Apple Store. Cool. You have a plan. Until the pimply geek behind the Genius Bar tells you it’s gonna be $1,300 to replace the LCD on your 2 year old Powerbook.  The only thing Genius about that is Apple figured out the perfect price point to get you to buy a new machine.  And if not, they make a killing on the repair.  Either way, they’ve got you by the balls, and they don’t even have to squeeze. They just wait.  But they’re not the only ones living on Genius street. You pull out your cell phone. You call Wegener Media (803/926-1555) . They’re going to send a DHL courier to you that afternoon to pick up your damaged puppy. They’re going to repair it the next day, and give it back to DHL whose yellow truck delivers it good-as-new to your door the day following. You’re up and running again 48 hours later, and you’re only out about $500, and, if you’ve got BuyersAdvantage, you’re getting $100 of that back*. Who’s the Genius now? 
*Technically, repairs due to accidental damage aren’t covered, but they seem to pay them anyway.