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<p>[QUOTE=&quot;afantiques, post: 2338973, member: 71234&quot;]<i>Even if for the sake of argument it worked how you said, you are taking the person&#039;s word they never got it. If they did in fact get the package and you filed a claim that was paid you are now a part of insurance fraud.</i></p><p><br /></p><p>Not true,&nbsp; no <i>mens rea</i> or evil intent. You have no knowlege or way of acquiring knowledge that a crime has been committed.</p><p><br /></p><p><i>They wouldn&#039;t even have to investigate all they have to say is provide documentation or a tracking number that shows it got lost.</i></p><p><br /></p><p>It is customary to ask for a statement that the item never arrived from the buyer, but if the recipient is non cooperative, evidence of a paypal or other refund is enough.</p><p><br /></p><p>The insurance companies are not daft and view an uncommon number of claims with suspicion, but this is just a sensible background measure.</p><p><br /></p><p><i>Over a large enough sample size it can become relevant, but my moral compass has no bearing on anyone else&#039;s actions besides my own</i></p><p><br /></p><p>Your behaviour is typical, which is what matters, we are dealing with that large sample.</p><p><br /></p><p><i>I admit I assumed that if you made a claim the insurer would want to see a copy of all the paperwork and that would include the value declaration</i></p><p><br /></p><p>If you are talking about claims and insurance in an ebay context, the sale price is evidence of value, and that is about all that is needed.</p><p><br /></p><p>Bear in mind that most claims will be for sums under $100 which in the big scheme of things is trivial. The premium income for this would be in the range of 80c to $1.50.[/QUOTE]</p><p><br /></p>

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