Signal Insurance through US Cellular

To Whom it may concern:

I am writing to express my sheer disgust in the way Signal does business. My husbands phone was damaged due to water damage and his screen was unclear. He gently tapped it to clear and it remained dis functional. At this time we made a claim at Signal which was denied due to his tapping the screen! We took it to a US Cellular technician and they replaced the screen at our expense. The phone itself still was not functioning properly so we then called Signal again as the US Cellular technician suggested saying the portion you accusingly say was due to my husbands mistreatment has been rectified out of our pocket. The water damage due to weather and my husbands working conditions has still left the phone dis functional. Again they denied the claim. When asked what exactly they do cover ....the CSR had no real answer and kept going in circles in his poor excuse for a description. I told him we were dissatisfied and that I would contact management and US Cellular to inform them we had been given a mis-truth in what to expect for coverage by the Salesman at the store we originally purchased these phones. We had been misdirected. I called US Cellular and the CSR said Signal should have covered this claim now that the phone was dis functional due to the water damage and he tried claiming it with their Resolutions Department. We will see what happens. As for Signal, they cover nothing and collect $5.95 a month per phone and can sleep at night. We were told if it is damaged, lost or stolen it is covered???? Apparently, they have made a lot of money lying and scamming people into thinking that with this insurance we can sleep at night. You are better off telling them it was stolen...being honest today as seen gets a good hardworking person NOWHERE!!!

Kacprzaks-Chicago, IL

Comment On This

The Signal insurance works like any other insurance company - they try to obtain all the necessary information to file the claim properly. All the information we provide as a consumer is taken and evaluated accordingly. I have never had an issue filing a claim with The Signal. They take into consideration the circumstance of the issue, how it happened, when, etc. It's not their fault if we provide wrong information, leave things out, and when it's denied, we turn around and get mad. Have your information ready and what is needed and there shouldn't be a problem. Of course, not everything is covered and you have to READ your contract and what is covered under your insurance.

Comment On This

Actually, the blame is on Signal. I have worked in the US Cellular Corporation for over 10 years now and have seen my fair share of problems with the 3rd party insurance company. Signal Plus Insurance is to cover everything/anything that the Manufactuer Warranty will not within the first year; after the first year of purchasing a new phone passes, it is to cover anything except Software defects. Before you go on saying, "Oh, its not Signals Fault... Mr. I work for a company that is crooked and I still stand up for them"... Think again. It will be a great day with US Cellular drops these ridiculous excuses for an Insurance Agency and see how much money they get to rip off of people then.

Comment On This

I filed a claim on 7-21-08 and I was sent a phone that did not work. I sent it back recieved another phone that worked for a week. I sent it back after taking it to U.S. Cellular and recieved another phone that U.S. Cellular could not get to work. The person at U.S. Cellular working with me called Signal and told them that I wanted to cancel my claim and sold me a phone through their store for the $50 I would have paid Signal. I was told that Signal would refund my money to my credit card when they recieved the phone back. It has been 3 weeks Signal has confirmed they recieved the phone BUT I have not recieved my $50 back.

Comment On This

I sympathize with you completely. I worked for over 25 years in the insurance and claims business and I have NEVER experienced the level of incompetence, negligence, and harrassment I have from SIGNAL Telecommunications Insurance Services! They have "lost" every Sworn Proof of Loss" I sent them. THESE WERE COMPLETED IN A U.S.CELLULAR OFFICE AND FAXED IN AS I SAT THERE!! Then they said I have the wrong serial # WHILE WE HAVE THE PHONE IN OUR HANDS!! - This may be more than negligence, it may be a policy to deny or delay payment of claims. Therefore, I am filing a formal complaint with both federal and state (MAINE) authorities about this. Unbelievable.

Comment On This

THAT IS SOOOOOO TRUE THE SAME HAPPENED TO ME, EVERY TIME MY PHONE GETS DAMAGED, I JUST SAY IT GOT STOLEN,ITS WAY EASIER...

Comment On This

Blame is not on Signal.

If you were to read your Policy from your carrier, it describes what is covered and what is NOT covered. Sure its easy to point the finger as to why it was not covered, or as to why you don't understand why this is not something that can be fixed or repaired. It is in the policy you have purchased. same as it is with your auto Ins. Homeowners policy. Its not for EVERYTHING that goes wrong with that item, is for what is covered with the Policy.. Oh your not going to belive me . . take a look at Flooding, I bet you its NOT covered with your standared Homeowners insurance ?? Take a look at it. How about Mechanical troubles with your vehicle . . guess again !! certain items even though it say Bumper to Bumper coverage, ITS not for everything in your vehicle either.. BEST WAY TO FIND OUT WHY, is read your policy. Then point your finger at those who do Insurance Policy work

Comment On This

<i>CSR said Signal should have covered this claim now that the phone was dis functional due to the water damage and he tried claiming it with their Resolutions Department. </i>

oh really?? I was told that the insurance doesnt cover water damage at all. whether it be that you dropped it in the toilet, or fell out of your pocket in the rain. wet=no coverage.

and reporting it lost is better then stolen. reporting it stolen you have to have a police report. or at least this was my understanding.