Motorola RAZR V3xx

We've had Motorola cellphones forever. My wife has no problems at all while my phones continually have issues. The latest issue I've had is my phone shutting down literally turning itself off during a conversation then re-starting (most of the times). This happens on each and every call - sometimes multiple times during a call - seems to be only when I make the call. It's infuriating! Years ago, I opted for the monthly $4.99 insurance "policy" (my wife didn't). Since then, I've had to return my phone 3 times to the tune of $50 each time (let alone the $4.99/month I had already paid on my monthly bill).

Without pulling out our bills for the last 4 years, it seems to me I'm needing to get a replacement phone about every 6-9 months. Again, to the tune of $50 replacement fee plus the $4.99 I've paid monthly.

What's weird to me is that my wife has had and still has the exact same phone as me yet she has NEVER had a problem - at all!

Could this be that since I pay for the monthly insurance, they have a method to sabatoge a phone to malfunction within 6-9 months in order to get the insurance replacement of fifty bucks? And remember, they have already collected 4.99 bucks a month for my "insurance coverage" those 6-9 months?

Have you heard of this or had a similar problem/ trend? Let me know - thanks!