This is quite the dilemma, but I think I can help. If you have JUMP! but the phone has damage like a crack in it, you'll want to file a claim on the device as you won't be able to turn the device in for a jump upgrade with a cracked phone.
Hey, adderhead7! Mike is correct that you won't be able to JUMP! this device unless a claim is filed and deductible is paid. I think I understand your question -- you're wondering about the fact that you're being offered two options, whether to get the same device as a replacement, or whether to JUMP! now?
The current and more recent versions of JUMP! require that 50% threshold be met before you'd be JUMP! eligible. Based on your description of your previous experiences JUMP!ing, I'd assume that's what you have. If you decide to get the same device, you'll just pay the deductible. If you decide to JUMP!, you'll pay the deductible and the JUMP! Now amount (the difference between your current EIP balance and that 50% threshold), plus any up front costs (taxes or taxes + down payment) required for the new phone.