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Posted By: jay wolt

Andrew - I would think you would have to justify the card's value in
case the package was lost. If they graded the card a PSA-1 or SGC-10
and its a common T206 w/ common back worth about $20. No way are they
going to compensate you for a few thousand as you valued it.
The Post Office works the same way, you must show proof that the lost
package is worth x amount. If I sell a card on eBay of $75 and its insured
for $200, you must show proof that its worth $200 like a receipt from
Paypal from the winning bidder. They do not just hand you a payment for $200.