If I buy something from a seller who specifies: "not responsible if buyer doesn't purchase insurance" and the product never arrives, would I have to grin and bear it and give the vendor a green?
This hasn't happened to me (in which I wasn't refunded). But, I'm waiting on a Black Smurf. I'm sure he'll arrive (it's only been a week and a half) and the seller has 99.4% rating.
But, I'm starting to get my "funny feeling" and want Smurf legal advice--before I need to use it.
My other comment: what would keep a seller from abusing this? If his product undersells, but the buyer didn't pay for insurance, don't ship, then blame the buyer. Is this where the rating system serves as a check-and-balance? My main beef lies in that shipping and handling is normally inflated already. Paying a surcharge on top of that surcharge for insurance (at seller profit) seems a scam. Granted, I guess a wise man will always insist at least on tracking. Tracking seems to be both in the buyer and seller's interests...