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Well IME the seller/shipper must file the claim, then the company contacts the reciever, checks it out and pays the shipper. They will not pay the reciever as the shipper might have already replaced the item or refunded the sale price. Shipping companies say that the insurance only covers the person who paid the premium at the time the shipment was sent, not the buyer who paid the sender for the insurance.
Been there done that. Would not even accept the reciept that was sent by seller. I gave up and ate the loss, I was just the buyer of the product not the shipping companies services.
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Mary
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