Anyone else sell or buy on mercari? Kinda freaking out

So I sold a Nintendo switch on mercari for $260.

It was out for delivery to the girl & it never delivered.

All of a sudden they can’t ‘find’ the package.

The guy or girl scanned that it was on the truck for delivery.

They don’t know if it’s still on the truck or at the terminal.

They only cover up to $100!!

I used Mercari prepaid shipping label(recommended)

They only cover up to $200.

Anyone have this happen??

Can I file a claim with both so I get my money back??