I'm pretty sure you CAN buy insurance after the fact but, for obvious reasons, I assume you'd have to do this in-store.
Good to see the Dare is sturdy... BGR recently broke his BlackBerry Bold when he dropped it only a couple feet to the ground. Here is what happened to THAT device:
Couple other pictures here:
BlackBerry Bold vs. pavement : Boy Genius Report
If you have time, snap us a picture and lets see the damage done to the Dare! I'm happy your phone held up though, breaking phones is such a pain in the ass... but when you have a device that looks as sexy as the Dare it makes it that much more "painful"