I've been having the same problems on iPhone 3G 16Gb in the UK.
After trawling several forums I came across some advive on Apple's own Discussions forum !!
Try Apple.co. Support Discussions iPhone Hardware iPhone 3G Topic : Freezing when answering a call.
Seems that this is a quite a common occurance.
I'm just trying some of the suggestions :
Most likely it seems that there is a ( or more than one ) corrupt entry in your Contacts file - (( BUT it would have to be your partner's wouldn't it !!! ))
See the IBarfield entry for Jan 29 2009 re Genius finding the corrupt entry, and
the Envision99 entry dated Feb 10 2009 for the steps to remove and re-add the offending Contact.
I've just done all of these steps and wait to see if this clears up the intermittant problem
Good Luck
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