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I have kicked myself for buying insurance so many times without an incident. But the one time I needed it, I had to file a claim against UPS for destroying a $2,500 item, which they refused to pay because they said I packaged it poorly. I took them to small claims court, and when the UPS rep made the same claim there, I produced a receipt for about $30 worth of packing materials, which I had purchased from UPS the day the package was sent. The judge ordered UPS to pay me, which they did.
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