Rockefella - I understand your wish to have a case that holds up under normal conditions but you clearly got it caught on your steering wheel and it caused the case to rip. You said you had a case for 4 years for a different BB - did that one also get caught the same exact way on your steering wheel?
This is a crazy thing to expect - analogous to running your car into a dumpster after having it a few months, denting it and going back to the dealer expecting a new one and flipping out when they say "it will cost you to fix it or get a new one"
Either re-attach the clip or realize you broke it and buy a new one at a generous discount. Atleast your BB didn't get harmed during this "ctach" - you would be even harer pressed to get a new one of those from Cingular/TMO telling them you got it caught on your steering wheel and it fell out. They would tell you "Too bad, so Sad"
Good luck with the new case