Broken phone

My broke my ex phone lol . Long story but he paid $150 to get the phone and his phone has insurance. I told his mom ill pick him up and take him to cricket to pay for it . He said he has to do it online and it cost $250 to replace the phone . She said if i dont pay it the police will get involved nd its felony charge . But how tf am i paying more then he paid to get the phone . WITH INSURANCE!???? . Is it a scam or what help me lol

Ps ; dont comment “ you shouldve never broke it “ or whatever cause i will get disrespectful thats not the point !!!!