Well before you call your insurance try this. Turn the phone off and follow these instructions to get you into recovery. While device is powered off, hold both Volume Up and Volume Down key then press Power key to access Bootloader menu. Use Volume Down key to scroll the cursor onto "Recovery" then use Volume Up key to confirm to access official Recovery. Now you may see RED Motorola logo, wait a moment till you see the android robot with "!" triangle, please press both Volume Up and Volume Down key to access Recovery Menu. Now you can see BLUE RECOVERY MENU. Use Volume Down or UP key to scroll menu, Power key to confirm. Once in recovery scroll down to wipe data...yes then wipe cache...yes then select reboot system. Use the volume keys to scroll and the power key to select. See if this get your phone working again.