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Reply to "USPS Rates for Shipping Insurance"

If I choose not to use Auctiva shipping insurance and I use it in e-bay, why is it that and the end of the sale it states there was no insurance purchased? Do I pay Auctiva for insurance plus the Post Office when I mail the item? What do I do if my item is damanged during shipping using Auctiva ins.? Where is my proof that I purchased ins. from Auctiva. I think I would rater just use this in e-bay and pay the Post Office when I ship it. I get a receipt that I did pay for ins. Your answers are very much apprecitated. Thank you.
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