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<p>[QUOTE=&quot;Gavin Richardson, post: 2756142, member: 83956&quot;]Since this thread has addressed the ethics of keeping / returning coins one did not order, let me post a related query.</p><p><br /></p><p>Let’s say that I purchase a coin that hasn’t arrived after 6 months. I contact the seller and receive my money back. (I assume that a dealer is insured for these kinds of losses.)</p><p><br /></p><p>In month 7, lo and behold, the well-traveled coin shows up in my mailbox. What is the legal and ethical thing to do? Are these one and the same?</p><p><br /></p><p>This scenario happened recently to me on a much smaller time frame. I had my payment for a lost coin refunded, but when the package given up for lost did indeed arrive, I contacted the seller and re-paid for the item since I didn’t want to get something for nothing.</p><p><br /></p><p>But if the dealer is insured against loss, does that mean that the dealer enjoys the windfall–my payment AND the insurance compensation? Or do dealers then reimburse their insurance provider? Is my assumption about dealers being insured against loss accurate?[/QUOTE]</p><p><br /></p>

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