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is the phone unlocked (no carrier's name on it) just motorola...take the sim card and cell to the carrier that you are on...(exchange the sim card) this is free of charge...tell the rep..you woke up this morning and tried to turn on your cell..and it reads insert sim you dont know what happen...
It might be useful to know, in the early days of the digital mobile phone, such messages were very common and folk would remove the SIM and wipe the contacts and all would be well. I remember needing to do that with several phones including my old Motorola c520. Sometimes it needed the treatment every week, sometimes almost daily and sometimes it would be reliable for a month or more...
Hi when you take that back cover off take out the battery and look for where the sim card is located. It will be very small and slid into a little holder. Take that SIM card out and make sure that the contacts on it line up with the contacts in its Holder. If the SIM is not in right it will always tell you Insert SIM. These phones rely on that SIM Card for the Information and Other Settings they need to work properly.
If you still get that Insert SIM message then it is possible that your phone was not Programmed Properly at the Place You Bought it. Take it to them and they will fix it Free.
Try Performing A Master Reset and Master Clear from the security menu on the phone. it will erase all the imformation on the phone and restore it to factory. hopefully that helps the problem if its a software issue.
Call ATT and tell them you need your device unlocked..if it's not reading other sim cards...it's either one of two things...the phone isn't really unlocked or the sim card reader on the phone isn't working (ie: you have a useless phone!) Sorry to be so blunt. :-)
if it is less than 12 mths old and you still have the store reciept take it to a store with the reciept and have it repaired under warranty.
if it is older than 12mths it has no warranty and would be cheaper to replace it with a prepaid phone of your existing carrier