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Posted By: warshawlaw

as a means of forcing the seller to mail out the item, until I realized that an unscrupulous seller is going to simply pocket the insurance money too. Since then, I rarely use it as a buyer. As a seller, I clearly state in my listing that if the buyer does not opt for insurance, he assumes all risks of loss. Since I will not take paypal, its treatment of insurance never enters my mind.

My experience as a defrauded buyer has been that Paypal doesn't give a crap whether you actually received the thing you purchased. As long as you got a package, they will deny your claim for buyer protection. That's why I always pay for things via a credit card when it comes to Paypal.

Paypal also has a huge hole in its rules that mandates any seller use delivery confirmation to protect himself, even if he doesn't insure: absent proof of delivery paypal will refund a purchaser's money on the purchaser's say-so, even if the item got there.