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Insurance

Hello, Not so much a newbie to auctiva been using it for a year now, but haven't paid much attn to insurance until now. I'm trying to figure it out, hope someone can help. My customers are paying insurance through my auctiva checkout, I can see it on my transactions page, but I don't see the money in payment details page it shows that they have paid for only the item and shipping. I don't see where I am receiving any extra $ from my customers for insurance but I do see where I am supposed adding money to my insurance account to pay for it, if I'm not receiving money from my customers for insurance, why would I pay to the insurance account, it seems like I'm paying for their insurance? I'm a little confused and would appreciate any help. Confused Thanks!
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