Core Viewpoint - The express delivery industry faces increasing challenges related to damage and loss of packages, leading to disputes over compensation that often fall short of the insured value, highlighting the need for improved damage assessment and claims processes [1][15][17] Group 1: Consumer Experiences - A consumer, Ms. Wu, experienced significant loss when a guzheng she sold for 150 yuan was damaged during shipping, with the express company only offering a compensation of 45 yuan despite her paying for a 500 yuan insurance [1][7][10] - Another consumer, Mr. Hu, faced a similar issue with a high-value collectible statue worth 10,000 yuan, where the express company offered only 500 yuan in compensation despite the insured value being 9,000 yuan [1][11][14] Group 2: Industry Challenges - The express delivery industry is characterized by a wide range of transported items and service scenarios, leading to complexities in establishing effective damage assessment rules [15][16] - Current compensation practices often result in consumers feeling that the insurance they pay for is ineffective, as the actual compensation is frequently much lower than the insured value [1][17] Group 3: Recommendations for Improvement - Experts suggest that the express delivery industry should refine its insurance rules, introduce third-party evaluations, and enhance monitoring and regulatory practices to better protect consumer rights [17] - There is a call for the establishment of a reinsurance framework within the express delivery sector to address the gap between insurance coverage and consumer expectations [17]