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i-phone replacement help

My friend lost her iPhone, and NO, she didn't have it synced to the cloud so she can't deploy "find my iPhone." She also didn't take the insurance and Verizon wants $500 to replace it. Oy.

Someone found it and was using it and we know this because it was dead for a day and then it was ringing for a day. That's when she cancelled service.

Questions I need answered because I know my friend is incapable of asking them, and I want to provide a roadmap for her:

If I find a used one for her does it need a SIM card? If it doesn't have one where do you get one and how much $$$?

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Will Verizon activate a phone you bring to them?

Thank you in advance, beautiful smart people of Groupthink.

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