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<p>[QUOTE=&quot;GDJMSP, post: 650976, member: 112&quot;]Apparently you do krispy, or you could not make this comment - </p><p><br /></p><p>&quot;However, as a Seller I urge my Buyers in every auction to purchase shipping insurance. I can say that most do not do so and that is their right to decline it and take the risks.&quot;</p><p><br /></p><p>At no time is a buyer ever at risk if they do not purchase insurance. And this is the entire point.</p><p><br /></p><p>For apparently you believe that if a buyer declines to purchase insurance, and the package comes up missing and is not delivered, then you as the seller are absolved of any responsibility. In other words, the buyer loses because he chose not to purchase insurance.</p><p><br /></p><p>But this is most definitely not the case. If that seller chose to take you to court - YOU WOULD LOSE and have to refund the buyer his money. </p><p><br /></p><p>Let me put it to you another way. Say you order something from a catalog, clothes maybe, or you order a new phone on-line. And you never get the item - what are you going to do ? Are you going to say ? - Oh well, it&#039;s my own fault. I should have bought insurance.</p><p><br /></p><p>No, you are going get on the phone, raise heck and demand that they send you another.</p><p><br /></p><p>Do the merchants even bother to offer you insurance ? No, they don&#039;t. Do you know why they don&#039;t ? Because they insure it themselves, automatically - or they accept the possibility that they may have to send you a replacement item if it becomes lost or damaged - at their own expense. It doesn&#039;t matter if the package is stolen, it doesn&#039;t matter if the package/contents is damaged - they know that they have to replace it at their cost. They know it is THEIR responsibility to deliver the package to you no matter what.</p><p><br /></p><p>And why do you think ebay has finally changed this ? Because their lawyers have told them - it does not matter if the buyer declines insurance. It is still, and always has been - THE SELLER&#039;S RESPONSIBILITY TO DELIVER - no matter what.</p><p><br /></p><p>You still seem to believe that just because you offer insurance to the buyer, that if the buyer declines the insurance - that it is no longer your responsibilty. Well - you are 100% wrong. <u>The buyer declining insurance does not absolve you of anything.</u>[/QUOTE]</p><p><br /></p>

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