Right. I'd never intentionally send in an altered card with a high estimate! I guess some might do that. That's why I'd be pleased to pay a fair price for the grading process irrespective of value.
As for insurances, while in their hands, they should certainly carry adequate coverage as part of the cost of doing business. For shipping, I have always paid the insurance charges when dealing with SGC - either through their coverage or the USPS.
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