Packaged damaged in transit ,what do i do?

i had sold a item on ebay and the buyer got it and it was damged i got insurance, what do i do, . im not sure if i have to refund the person, or is the insurance so the postal people will pay for the damage?Packaged damaged in transit ,what do i do?
talk to whoever you got the insurance fromPackaged damaged in transit ,what do i do?
Did the truck look like this?

|篓篓篓篓篓篓篓篓篓篓篓篓篓篓篓篓篓篓篓篓篓篓篓篓篓篓篓篓篓---

|-----------JESUS--------Packaged damaged in transit ,what do i do?
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