I had a piece of glass delivered by United Parcel Service (UPS) when I received the glass the glass was scratched.The glass was insured, So UPS sent the money for the claim to the shipper, since the contract was with the shipper. the shipper was to send the check or refund to me.
the seller decided to keep the check for him self, and never reinbursted me. even though I paid for the shipping and insurence I received no refund.
UPS said there is nothing they can do since the contract is with the shipper.So getting insurence on a item using UPS means nothing. They will not refund nothing to you directly. If the shipper wants to keep the refund UPS says so what. I am one pissed consumer UPS SUCKS