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<p>[QUOTE=&quot;IdesOfMarch01, post: 2756144, member: 39084&quot;]I&#039;m sure the lawyer(s) on this site can provide better legal information than I, but here&#039;s my understanding of your situation.</p><p><br /></p><p>When you received the refund for the coin, the ownership passed back to the dealer, so you no longer have a claim on the coin.&nbsp; Ethically and legally, you either have to pay for the coin or return it.&nbsp; So you did the right thing.</p><p><br /></p><p>As for the dealer, if he received an insurance payment for the coin, then the insurance company owns it.&nbsp; The dealer would be obligated to return the insurance payment in this case.&nbsp; It&#039;s not clear to me what would happen if the dealer doesn&#039;t do this, since if the insurance company owns the coin and if you pay the <i>dealer</i> for the coin, you may not legally own it.</p><p><br /></p><p>If the coin was modestly valued -- e.g., less than $500 or so -- I doubt that any of the parties involved would pursue the issue very aggressively.[/QUOTE]</p><p><br /></p>

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