Target service plan on electronics Do not get service plans they will deny your claim jacksonville , Florida

I bought a 3 year service plan with Target on my I-pod. I began to get a white screen so I sent it in for repair. They send it to a place called United Camera who stated the i-pod had impact damage. The i-pod has been rarely used is less than 1 1/2 years and has never been damaged . It has never been dropped or left in the heat or even carried around in a purse. The i-pod has only sat on my player dock. I believe the whole Target service plan is a rip off. I asked for my money back on the service plan and they stated I will still be charged for the last 1 1/2 years. Never get a Target service plan!