What the?! How lousy is that?! How rude! You did not deserve the negative for that, aki!!! You paid her in full! And insurance is for her, the seller's benefit, not yours!
Andie, that was uncalled for. Aki paid you promptly the first time. So you didn't know that she couldn't access the internet, but a buyer, any buyer, does not deserve a negative because she didn't pay for insurance that SHE requested! You didn't enforce it! She asked for it. And insurance is for the seller's protection, not the buyer's! So by asking for insurance, she was doing you a favour because had the bag gotten lost in the mail, you, the seller, is responsible.