LOL about the OP's question.
It mystifies me.
My stepdad sent me all my mom's stuff shortly before he was remarrying. I demanded it; didn't trust her, and since my mom had left her money to HIM, to then be split between us and his kids when HE died, I didn't trust that in case he died and left that money to his new wife etc etc.
Anyway, he sent it and had it all insured.
And when it all arrived, I watched the mover drop the box containing either the turntable or the laser disc player...both of them were damaged. The LD doesn't work at all, and the turntable's lid was smashed to smithereens.
The turntable I could deal with, but the player was important b/c of all the movies I'd inherited. So we spent money we barely had to get an estimate; it was unrepairable.
So I asked stepdad to file an insurance claim. And waited. And waited. And waited. 6 months went by, or something maybe not that long but still counted in months.
We happened upon a used CD store one day, wandered in, and there was a Pioneer LD player for $50. We bought it.
And told stepdad. Who replied that he'd never filed the claim, but isn't god great b/c we'd wandered into that store.
Um. We needed a thousand dollar player replaced, and we got a $50 player. Now...that player is probably what we would have ended up with anyway, and it turns out it's a better player than my mom's Marantz was (they just didn't make LD players that well), but still, I lost a 1K player and replaced it with something MUCH older than it. There should have been some compensation from the insurance company, so he should have filed the claim.
Otherwise, why ever buy insurance?
And he never reimbursed me the money for the estimate OR the player we bought, even though he'd bought insurance that would have covered it (even if he kept all the other money from the claim) and he should have done so.
Very frustrating.