I keep my Droid X in a pocket of my cargo shorts with the screen locked (by briefly pressing the hardware button on top of the phone before I put it in my pocket).
I don't get many calls, but of the ones I have received (except one), when I pull the phone out of my pocket while the phone is ringing and look at the screen, there are are two icons. One is a green phone and the other is a red icon (I think it is a phone also, as I recall). Touching either of those icons does not answer the phone - it just keeps ringing until it goes to voice mail.
Now, one time when it rang the screen contained icons for "Answer" and another icon that I, if I recall correctly, was for "Ignore". So I was able to answer. But that was just once. The other times the phone has rung, the screen contains what I described above and I can't answer the call.
I suspect that when I pull the phone out of my pocket I am touching something on the screen that puts it in a different mode so it does not show the "Answer" icon.
Any thoughts on how to work around this and be able to answer the phone?