Alex:Yes, my trip insurance did cover my entire loss.
Then ... what's the problem? Isn't that the reason insurance is there?
Alex:Again I state, why should an insurance company have to pay for damage that was the fault of Carnival Cruise Lines.
Whether you stated it before or not, the reason insurance companies have to cover these kinds of things is because that's what they're for.
It'd be your insurance company or theirs. And unless you want to spend $40,000 to prove $400 worth of Carnival negligence and get their insurance company to pay what your insurance company already paid [and what they are apparently fine with paying], then call it a day and stop feeding the ulcer.
As was stated: things happen. In order to get the luggage for 2,000 - 3,000 people from the dock to the stateroom and not employ 1,000 people to do it, they use machines. Machines can get stuck and jammed and shred whatever's in them. That isn't necessary "fault". And if you think it is, then you've got a weird and not legally supportible notion of it.
Sympathy for having luggage problems. You're understandably annoyed. You're taking your understandable annoyance and multiplying it by unreasonable expectation. Stop while you're ahead.
Desperately seeking 10th cruise for the free laundry.