If you insured them they'll only reimburse you for the amount of cost of speakers (if used), not for replacement price. This is the nice little game they play calling it "insurance" but not giving you full coverage to replace items. It's a "grey area" in insurance, so they tell you when you go to seek full replacement, they don't have to reimburse you the full amount, and they won't give you $ easily if you can't produce reciepts, etc. Makes shipping lots of fun. Never pay a dime for insurance over the amount you can prove you paid.
You could have damage making the speakers unusable. You may not be able to get into the cabinet without destroying it. If there's damage to crossover, wires inside, etc. you won't be able to access it all (or at least effortlessly) from the hole for the driver, if you can even take the driver out.
There may be damage to the inside of the cabinet where the crossover assembly was attatched. If something is loose, it may be the crossover assembly, or part of the speaker itself. On one pair of speakers I had shipped, they dropped it so hard the crossover broke off and was rattling around and had hit the speaker assembly.
I'll never ship speakers again. Both times when given to UPS or Fed Ex they've been drastically mishandled. Small comfort, but you're wiser now.
