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<p>[QUOTE=&quot;samjimmy, post: 221444, member: 3813&quot;]Well, <u>either the buyer or the seller can submit the claim</u>.&nbsp; That&#039;s one of the first boxes you have to check (where funds will be sent), but...&nbsp; The thing is, there&#039;s not one single way to pay, and not one single way you (the buyer) may be covered, thus there&#039;s not one single method that can be recommended that fits all transactions.</p><p><br /></p><p>PayPal&#039;s &quot;buyer protection&quot; (if offered, see auction) only covers the buyer *if* there are funds that they can recover (far as I can tell).&nbsp; If they can&#039;t recover funds, I do not think they (PayPal) will credit your account, but I will say that I don&#039;t think I&#039;ve run into that particular situation (as I try to only bid on auctions where &quot;buyer&#039;s protection&quot; is offered, which also translates to -buyers with solid feedback ratings and history).</p><p><br /></p><p>You see auctions where the seller states, &quot;I will not be responsible or liable if insurance isn&#039;t chosen&quot; -but that simply isn&#039;t correct.&nbsp; I guess that was the point I was trying to make, and that the buyer doesn&#039;t always need to purchase insurance.</p><p><br /></p><p>Every case is different, but here&#039;s one example:&nbsp; Some of you may recall that I recently received an empty package that should have contained a $1,000 note.&nbsp; I paid $18 for shipping and the seller included insurance with it (that was his choice).&nbsp; The auction was eligible for PayPal&#039;s buyer&#039;s protection.&nbsp; Long story short, I filed a claim with PayPal and (after a somewhat legthy process) they credited my account almost $2,000.&nbsp; Of course, they got the funds from the seller&#039;s account.</p><p><br /></p><p>Now, before that went through, I filed a USPS insurance claim, as it was insured.&nbsp; I was under the mistaken impression that PayPal would have referred my claim to the USPS due to the insurance, but they didn&#039;t (as I said, they credited my account).&nbsp; So the seller should have filed the USPS claim, not me.&nbsp; If the USPS grants the claim, <u>I will get a check</u> (made out to me) and the seller is relying on me to be honest (he&#039;s lucky I am) to <u>write him a check</u> for the USPS insurance amount.</p><p><br /></p><p>Note:&nbsp; I really don&#039;t know what&#039;s going on with this though.&nbsp; It&#039;s been over a month longer than they said I&#039;d hear from them (they said mid-March), and they may ask that the seller resubmit the claim, etc.&nbsp; I really don&#039;t know.&nbsp; I can tell you it&#039;s like dropping the claim into a blackhole, unlike most insurance deals where you need to fax paperwork, and they contact you, request info, confirm this and that, etc.</p><p><br /></p><p>As you can see, I (the buyer) have been more than covered.&nbsp; If I was dishonest, I could even make a couple grand from this.&nbsp; The seller is completely unprotected.&nbsp; Now, if the seller spent the money and PayPal was not able to recover funds, I *believe* I&#039;d be up the creek SOL -and I&#039;d be looking for that USPS check to pay my loss, so like I said, there&#039;s not one way this all could have ended.&nbsp; At the moment though, I&#039;m very relieved.[/QUOTE]</p><p><br /></p>

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