Insurance is not a panacea. It wouldn't have gotten him moved up in the waiting list to receive a replacement quicker, and the claim likely would have been deni

Insurance is not a panacea. It wouldn't have gotten him moved up in the waiting list to receive a replacement quicker, and the claim likely would have been denied, and they'd have expected him to go through an appeals, which would be a pain, and might not get the result he wanted. A police report will probably be required. Even if successful, when insurance claims are made they often go to the CLUE insurance report, and make many forms of insurance more expensive or harder to get. https://www.carinsurance.com/clue-report.aspx https://www.carinsurance.com/clue-report.aspx The other thing is that you're assuming there was no insurance. Maybe you're right but I doubt it, it was probably insured by Fedex and the uselessness of the insurance was included in "Fedex wouldn't do anything about it". The "requesting a signature" part is something they often neglect to do, or do carelessly. At any rate if the person making the trombone case can't be bothered to ship it properly, it's still Fedex's fault from the musician brother's perspective, because he knew firsthand that the driver failed to deliver the item directly to him.