OK! I get it! It just seems strange! By the by, I am the buyer!

SO:

I buy something!
The seller offers insruance!
I buy insurance!
It doesn't show up!
The stuf never maes it!
The seller has the money!
I do't have the tsuff!
AND I have to file the clim!
Why doesn't the seller give me back the money and file the claim themselves?