First, the door handle failure is very well understood and happens a lot. There are a plethoria of posts from 2,3,4 and 5 years ago that discuss this problem. Personally I have been reading about it since 2007.
There are two different versions of the door handles. The factory version has the "non-reinforced" mounting lugs. There is an improved version that was designed for the Cobalt. The factory ones fail if you look at them the wrong way (knock on wood) mine are custom painted so I am very careful but I also have 2 sets of spare handles in the box for when I will need them.
While its an easy fix, it requires pulling the interior door panel off the door to get access to the fastners. It is easy but not cheap to fix them if you are paying $60 an hour.
No insurance policy I ever had would have covered failure of the door handles. Please let us know how this turns out for you.
Second, if you get your feelings hurt by people answering your questions in a direct manner than you need to consider the environment.
As has been discussed many times, there are only a few long term members who bother to answer questions any more because we get the same questions in a repetitive manner. And if one of us is not around and paying attention then you may not get any answer at all. The approach we tend to take is to give an answer but to also "teach you how to fish" so that in the future you too can find the answers if they are already out there instead of having to wait on one of us to answer them for you.
We go through the same process that you would go through, that is doing an "external" search using Google or the search engine of your choice because the forum search function is poor at best. The only advantage we have is that generally we know that a particular subject has been addressed in the past and as a result can usually find it quickly.
So part of Soup's answer was to let you know that in the future you should feel free to do your own search and then come and ask additional questions should that search not yield useful results.