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auctiva shipping insurance

Hi, I am so confused with auctiva shipping insurance. For example, I have it enabled. So, when my customer checks out. Do they choose auctiva shipping ins. or do they just choose insurance? Then, do I go into my auctiva account and purchase the auctiva insurance? Then, when I print out my USPS postage and there is the the choice to purchase USPS insurance do I decline that? Isn't my customer going to question when they receive their package why USPS insurance wasn't purchase on their postage print out? And if they ask I say I purchased it through auctiva which is cheaper, and they are going to ask why they had to pay the more expensive price? I am really confused how to use auctiva insurance.
Please help!
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