Recently, incidents involving high-value items being severely damaged during express delivery yet resulting in meager compensation have gained widespread attention. For instance, a consumer whose item worth nearly 10,000 yuan was damaged during transit received only a few hundred yuan in compensation. This is not an isolated case; social media frequently buzzes with similar stories, such as a computer valued at 10,000 yuan but declared at 2,000 yuan being compensated with a mere 200 yuan upon damage. As online shopping becomes increasingly prevalent, express delivery services have become indispensable, but the surge in volume and diversity of shipped items has heightened the risk of damage and loss, leading to a spike in disputes.

The prevalent phenomenon of "low compensation for insured items and no compensation for uninsured ones" underscores the need for urgent optimization of rules governing loss assessment and evidence provision. Consumers are increasingly vocal in their demand for a more transparent and equitable claims process that can minimize disputes and safeguard their rights and interests. Experts are now stepping in to explain the intricacies of express delivery "value insurance," aiming to bridge the gap between consumer expectations and the reality of compensation practices.