Whether it seems loose or not, it can't hurt to reseat it-pull it out for a few seconds and re-insert it.
A co-worker of mine had the "Insert SIM" and SOS displays-I did this a week ago and she hasn't had a problem since.
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1st Step in Troubleshooting: Do you have a BlackBerry Data Plan?
2nd Step in Troubleshooting: Pull the Battery.
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