When I try to turn on my phone it gets stuck on the white, circular, Motorola symbol. The only way I can even get the phone to turn off again is by yanking the battery. I can't seem to do anything to get the phone to turn on again. Is there a hard-reset I can use when the phone is off? Is there a standard warranty on the phones or do I need to use my insurance to get a new phone and pay the deductable?