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<p>[QUOTE=&quot;Arizona Jack, post: 341448, member: 9308&quot;]This has been brought up several times on this site. Insurance is to protect the seller, not the buyer. The buyer gets what he paid for or he gets all his money back. Seller receives the insurance claim $$$, not the buyer.</p><p>&nbsp;</p><p>I was a believer in the &quot; if buyer refuses insurance it is his problem&quot; theory myself, and after reading the reasonable opinions, AND speaking to both Paypal and my post office, have changed my thinking. It is sellers obligation to deliver in a safe and timely manner the product which was paid for.</p><p>&nbsp;</p><p>I offer insurance as an option under $50, and if I feel I need it, I will cover it myself if buyer declines. I mandate insurance over $50 and include it in the shipping rules. Buyer can figure that into his bid.</p><p>&nbsp;</p><p>If any of us were to buy something, and not get it....we&#039;d want our moneyback correct? This thread would have been about the poor packaging instead. If buyer paid by paypal, and you cannot prove delivery, he will win his claim. If he paid by check or money order,it is up to you to refund or not.[/QUOTE]</p><p><br /></p>

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