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Buyer Choosing Insurance???

Let me tell you what happened a couple of weeks ago. I built an auction on Auctiva for my Ebay store, listing a 50pg pkg of stationary. I sold it for $3, with free shipping. Unfortunately, when I put together my store info and preferences on Auctiva, I chose the insurance choice. Little did I know, that the BUYER can choose the insurance and NOT pay for it, since I was paying for the shipping. So a $3 item cost me $2.41 in shipping fees, plus the $1.45 for insurance that the BUYER chose. Needless to say, I actually PAID the buyer to purchase this item! What's up with the buyer being able to choose insurance when the seller providess FREE insurance? This happened to another user as well, so I know it just wasn't me.
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