Posted By:
PhilI think you have learned a $150 lesson.
It could have been much higher. You now will no longer ship without insurance and will save yourself $$ and aggravation down the road.
I think you need to refund the money. The good will you will get from that is worth a heck of a lot more than $150. If you don't, people will be leary of doing business with you which you can't get back once you've lost it for any amount of money.