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<p>[QUOTE=&quot;gmarguli, post: 128529, member: 246&quot;]If the seller can prove that they took reasonable care in mailing it and the buyer declined insurance, the buyer is out of luck. There is a contract between the buyer and seller and terms are agreed upon. One of those terms is that if the buyer does not buy insurance, they hold the seller harmless if the item arrives damaged or doesn&#039;t arrive at all. </p><p><br /></p><p>Having said that, whether PayPal rules in the favor of the buyer is another matter. They seem to like to take the side of the buyer.</p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p>And risk losing your PayPal account. Also, chargebacks only work with some credit cards and PayPal. I believe that it is Discover card that views PayPal as the merchant and not the actual seller and you are out of luck trying to do a cheageback.[/QUOTE]</p><p><br /></p>

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