Dropped my Eris in water about a month ago but got it dried out and it still worked fine. Now its starting to act crazy. When i call someone, it doesnt call and the screen just goes black for about 2 minutes.No buttons do anything. I am on 2.1b but I know its not the problem bc I updated my girlfriends at the same time and it works fine which brings me back to the water damage. Anyway, my question is if I use my insurance (i have the best plan offered) what are the negatives to that. And is it possible to pay some more and get a moto Droid?