Most shippers are self insured. I was when I transported games. Insurance company's will not insure the contents of a truck or trailer because the load changes day to day. One day you may have a load of $10,000 the next day it could be $40,000. I tried to insure the contents of the trailer for $100,000 and 40,000 miles. No insurer wanted the business. Your going to have a hard time collecting. My guess is they will offer you $500. Good luck with your claim.