100% your item your insurance. Only claim on the item is insurance companies. Yes you get a chipped noddler ( but really wants a chipped noddler). I once won a 1957 or 58 Braves WS noddler it was mint... before he shipped. Came with top cracked in half. He refunded me so I sent it back. He said I could keep it but I just couldn't look at it ...And difference is HE refunded me from HIS pocket.
Like I said on top YOUR item YOUR insurance..YOUR noddler.
Good luck
J
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