Posted By:
Bilko G"So lets say in this case the card was damaged, who is responsibile for that loss the buyer who refused insurance or the seller that did everything "right"."
Its ALWAYS the sellers responsibility to get the item to the buyer. Buyers who purchase insurance are just wasting their money. If the item arrives damaged it is always the sellers responsibility and paypal will side with the buyer 100% of the time. Whether you think that is fair or not, that is paypal's rules.