This case will handle by insurance.
To file the claim to insurance company, process is that the normal claim process to Insurance company.
1. Call to Insurance company to inform the incident.
2. Insurance company collect information for investigating.
3. If thing is severe, they may send their person to witness.
4. Payment is paid to the customer followed the coverage agreed which is 110% of product value normally.
Contact Point is stating in Insurance Policy which comes along with set of Shipping Document