I have a customer that bought insurance. I got an email saying I need to pay the $1.00 that the customer paid, however when I go to pay it says minimum of $5.00 via paypal. Do I wait until I have more customers pay for insurance? Do I pay the $5 now and future insurance will be taken out of that amount? If I do not pay this $1 before I ship the item, is it still covered by the insurance? Let me know more specifically how this works please.