It is very easy to get your money. Just file a claim at your local court. I did this to UPS after they said they wouldn't pay on my claim for the CD player they broke of mine. I got the entire value that I insured in for, plus they sent me back the damaged player and I was able to eventually get it fixed. Don't put up with this crap, it's their first course of action to just say sorry we're not paying. I'm sure it works with a lot of people thats why they do it. It's cheap and easy to file the claim and they can be served via registered mail. You've got a clear cut case here and I'm sure you'll immediately be refunded your money. Cost me about 27 bucks, which I also got paid back by UPS.