Have you ever collected on insurance????

It seems that lately there have been quite a few threads on damaged goods arriving, being stolen or really lost in the shipping business . It seems many of you have made claims that have been turned down. Has anyone ever collected on a less than perfect arrival ? I have been very fortunate in shipping - of course I do not buy speakers from individuals only dealers because they are more than likely to be packed wrong and will suffer through the process and sometimes you cannot tell until you have signed and the guy has gone.