Will cingular replace my phone if I have insurance? I got a Motorola T720 I got from cingular last november. Its always droping calls and it wont even ring half the time just go strait to voicemail or wont tell me I have missed a call untill 30min after the call was made.This last month the screen has been messing up. Stuff like the screen slowly fading to black when you open it , the bottom of the screen showing up on the top and some other things. What I want to know is will cingular replace it , I do have insurance for it. My phone does have more then its share of sratches and scrapes and Iam afraid they will see it and tell me no.