If you have a claim, make damn sure you file it and follow up exactly as their policies require.
Remember that they are getting scammed by claims as well, so they have safeguards in place for that.
The last time I filed a claim I used an AI agent to run the process for me. It can be tough to get a person on the phone because their own customer service wall is in fact AI. AI can get you past AI.
Basically all customer service everywhere is going AI.
Any misstep in the process can set you back, or even get your claim denied.
PayPal helped build my business and remains a core component.
I run a lot of revenue through PayPal so it's easier for me to get a person on the phone. I have "gold" level service. Even still, I used AI to run my process the last time.