My phone is telling me to insert sim and it is inside

Sim contacts may be dirty, either on the card or phone.
remove sim card and GENTLY rub a pencil eraser on the contacts to clean, then test. If you can access the contacts on the phone, do likewise. If not, then you'll have to use an Ether based cleaner, Like electrical parts spray ( available from your local auto parts store) .
be careful not to spray too much into the phone, as once the spray gets inside it takes longer to evaporate. You can counter the time by using compressed air to speed drying of the phone interior without taking it apart.
Hope this helps!!

The technician is not right, if this happened after the phone fell down. There must be a hardware problem.

It reject the Sim means it locked to Network,You need to unlock it,get the Unlock code at here
http://www.mobile-unlocker.com/ and Unlock it.

Hi my name is kumar
am using nokia n97 sedanly it is shwing inside sim card & restard the phone

Instead of my telling you the solution, I will tell you where to find not only this but other problems been discussed. Go to www.nokia.co.in and there go to My Nokia. There all the problems have been discussed according to the model. Please visit the site.

1. First do a CUSTOM reset: * 2767 * 2878 # (star 2767 star 2878 hash)
turn off the phone
2. take out the battery and sim and put wrong network SIM and insert a HALF of it, ie half in and half out and slip the battery in behind it, this is important
so it won't ask for network password and shows "Insert SIM" message.
Now put the battery, and switch the phone on. (Phone shows "Insert SIM" message.)
3.With out turning off the phone push the sim fully in. At this stage the phone is still asking to "Insert SIM"
4. Make a FULL reset by typing: * 2767 * 3855 # (star 2767 star 3855 hash)
5. The phone should reboot working with "wrong" sim inside.
6. Make a Change the NCK password to 8 zeros by typing: * 7465625 * 638 * 00000000 * 00000000 #
(star 7465625 star 638 star 8zeros star 8zeros hash)
7. Now Disable network lock By typing: # 7465625 * 638 * 00000000 #

PLEASE BACK UP YOUR FILES BEFORE UNLOCKING
This will also bring the phone to default settings
1. First do a CUSTOM reset: *2767*2878#
turn off the phone
2. take out the battery and sim and put wrong network SIM and insert only a half of it,
Very important so it won't ask for network password and shows "Insert SIM" message.(possibly in a different language)
Now put the battery ,and switch the phone on .(phone shows "Insert SIM" message.)
3.push the sim fully in at this stage the phone is still asking to "Insert SIM"
4. Make a FULL reset: *2767*3855#
5. The phone should reboot working with "wrong" sim inside.
6. Make a Change the NCK password to 8 zeros by typing: *7465625*638*00000000*00000000#
7. Now Disable network lock By typing: #7465625*638*00000000#
Phone is unlocked

Hi! This is a hardware problem, the SIM socket inside the phone may be broken, so you need to get it to a service to be checked/repaired.

1. First do a CUSTOM reset: *2767*2878# (star 2767 star 2878 hash)
turn off the phone
2. take out the battery and sim and put wrong network SIM and insert a half of it,
so it won't ask for network password and shows "Insert SIM" message.
Now put the battery ,and switch the phone on .(phone shows "Insert SIM" message.)
3.With out turn off the phone push the sim fully in. At this stage the phone is still asking to "Insert SIM"
4. Make a FULL reset by typing: *2767*3855#(star 2767 star 3855 hash)
5. The phone should reboot working with "wrong" sim inside.
6. Make a Change the NCK password to 8 zeros by typing: *7465625*638*00000000*00000000#
(star 7465625 star 638 star 8zeros star 8zeros hash)
7. Now Disable network lock By typing: #7465625*638*00000000#
(hash 7465625 star 638 star 8zeros hash)
Phone is unlocked (check with *#7465625#)

This problem is due to your phone's sim card IC malfunctioning. It may get damaged due to phone dropping gently into rough surface and its crystal structure may break due to it. for any queries mail to [email protected]