I do not use Auctiva Checkout. I just went to my Account, and use USE AUCTIVA SHIPPING INSURANCE is marked -- which I was told I had to do in order to use it whenever I needed.
Then I went to AUTO PURCHASE INSURANCE ... and lo and behold, it is marked as well. This is something I must have done, but I truly don't ever remember changing any settings whatsoever. I have been using Auctiva insurance periodically and never had this problem before.
So, if I just want to use insurance at my discretion, I guess I need to check USE AUCTIVA SHIPPING INSURANCE and then disable AUT0-PURCHASE INSURANCE...right?