I would call UPS and see how much insurance was paid for. I would find out how much the seller got reimbursed from UPS. Write to your seller, give her 24 hours, and if no answer you can either call the District Attorney in her County, or file a chargeback with your CC. Either way, she should not be allowed to get away with this. She's obviously a lowlife having charged you her Paypal fees. That is a NO NO! I'd be sure to send her that policy as well and she'd better reimburse that as well as your shipping costs. Fight this one.....save another from getting burned.