Question regarding a hypothetical mail order problem for sellers and PayPal...

[Runscott]

Originally Posted by vintagetoppsguy

Your not looking at it from the perpective of the USPS. If it were that easy, every scammer would be mailing an empty package to a 'friend', insuring it for $1000, the friend saying they recevied an empty package and then the scammer filing a claim with the USPS. Packs makes a good point - how does the USPS know you really mailed the item you claim to have mailed?

So insurance is worthless when there is a theft, even if there is a police report?

Seems strange to me, but okay.

[ATP]

Originally Posted by Runscott

So insurance is worthless when there is a theft, even if there is a police report?

Seems strange to me, but okay.

I believe the insurqnce he had was through ebay labels and shipcover. I also am fairly certain it was only insured up to their limit and perhaps not the full amount. He did not get paid out on the claim, and it may have been because of the signature confirmation not happening and just being blank when they tried to verify it, through no fault of his own.

[drcy]

The USPS has to prove mail fraud, not assume without evidence it happened and not pay. If the latter was the case, the fraud would be that they charge for insurance.

[packs]

I think the insurance mostly covers damaged or lost packages but not the actual item within the package. Again I could be wrong but I think purchasing insurance covers you in the event that the package is lost or destroyed prior to delivery.

I.E. if you insure a package for $1,000 and it drops off the tracking system and can't be found, you have a viable claim. Same if the package is run over or something and the contents are damaged. In cases of theft I think the signature will determine if the item was delivered correctly, and if it wasn't then the post office has an obligation.

I don't think insurance covers you in the event that someone says they got something other than what you shipped inside of your package.

[vthobby]

I have heard so many horror stories about insurance with the post office and 99% of the time I will just send it without and take the chance. I have rarely had an issue with something missing and if I did it was under $25. To each his own but if it is high value then I usually will go with UPS or Fedex.

mike

[Runscott]

Originally Posted by packs

I think the insurance mostly covers damaged or lost packages but not the actual item within the package. Again I could be wrong but I think purchasing insurance covers you in the event that the package is lost or destroyed prior to delivery.

I.E. if you insure a package for $1,000 and it drops off the tracking system and can't be found, you have a viable claim. Same if the package is run over or something and the contents are damaged. In cases of theft I think the signature will determine if the item was delivered correctly, and if it wasn't then the post office has an obligation.

I don't think insurance covers you in the event that someone says they got something other than what you shipped inside of your package.

Could be, since their job is purely to deliver what you shipped; however, the thief is claiming that they did not receive what you shipped - that means that something happened to it along the way and it never arrived. As long as they stick to that story, and you stick to yours, you should be good. I get David's (J's) logic, and I'm sure that if it happened more than once, and for a large $ amount, you would get investigated and end up in prison for fraud.

Theoretically someone could have opened the package, removed the contents or inserted something different, and packaged it right back up. I would think that would be covered.

My dealer insurance covers me for packages I ship, packages shipped to me, or theft. The same company offers collector insurance, but I'm not sure if it covers the same exact situations. If you buy/sell a lot of stuff that requires insurance, you might look into it.

[pawpawdiv9]

This is worth reading over & over +1
Makes sense now to protect myself and here i thought Paypal was the way to go.
Learn something new every time on here.