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Unfortunately bagages losses are regulated - in europe - so compensation amounts are already limited (few 100, at best it compensate your suitcase). You need to take insurance and make a video before you pack as proof if you want a solution. Other than this you should assume all the time you luggage is lost.

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compensation requirement in europe (and other international flights)is 1300 euros per passenger. Most of us don't have more than 1300 euros worth of stuff in a checked bag. Insurance is a good idea however as dealing with them is usually much quicker than dealing with the airline.

in the USA the number is $3800 for domestic flights

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