My Droid by Motorola has been malfunctioning for several weeks. However, now I can't slide the bar to get into the phone or accept calls! I'm wondering if a hard re-set might fix it? I took out the sim card but that didn't make a difference. Will insurance cover it? If so, when I took it into the Verizon store (with previous problems) why didn't they mention replacing it w/the insurance.