If a buyer pays for shipping and also pays extra for insurance is the person that pays extra for the insurance supposed to deal with the claim since they paid for that or is it the the seller? Of course this is if the package was properly packed which in the case of the shocks it arguably was not IMO and proper amount of insurance has been offered and paid for. It is a given that the right thing to do is for the seller to always assist the buyer in any claim process regardless. I know that when I got freight from a supplier and there was damage I had to file a claim with the carrier. It wasn't the supplier that filed the claim. In that case there was not extra paid for insurance but the carrier was expected to get it to you undamaged if properly packed.
I have had only one issue with an item that I sold and shipped using UPS. It was insured for the full amount of sale but they denied paying the claim.
They said that the item MUST conform to the rules of shipping, which they supplied to me.
In this case they said that the item was not shipped in the special original manufacturers shipping container. Therefore they were not responsible for the damage.
That is pretty difficult to do considering that it was 50 years old and who would have the original packaging at that point?
So in this case since I was the seller and shipper, I had to refund the buyer $1,100, which became more then a total loss on the item since I had paid for the shipping also.
So in my view, it just isn't as black and white clear as stated above. Also UPS now limits loss claims to a maximum of $999. Fedex will go to $1,250. USPS is $800.
It's a Kangaroo Court since they are the ones that decide and your insurance payment has little or nothing to do with it.
In the case of multiple items like the shocks, the safest thing to do is box them individually rather then together. Since that will cost more, like double for two shocks, you rarely can get paid for that by the buyer.