Does this deserve a neg?

BASEagle

I win an auction on ebay and pay extra for insurance. The esso bee mails the coin without insurance and pockets the money. So the choices are:

(a) neutral
(b) negative
(c) sharply worded rebuke.

What do you think?

Mike

edsondl

Many people self insure.

Russ

How do you know he mailed it without insurance? He may use a private carrier.

Russ, NCNE

kieferscoins

Ask him why he didn't insure. Wait for an answer and see if he gives a refund. Maybe it was a mistake. Then do your feedback.

Cameron Kiefer

LucyBop

Call the Marines, and alert the Air Guard!

fcloud

There is private insurance. You have no complaint. If you did not receive the coin than you would have something to complain about if you did not get a refund.

d) The coin was delivered, so leave a positive.

bearcave

<< <i>There is private insurance. You have no complaint. If you did not receive the coin than you would have something to complain about if you did not get a refund.

d) The coin was delivered, so leave a positive. >>



I agree.

Dog97

I won an eBay auction from a guy who posted to this very thread and I paid for ins and he didn't insure it & I asked him about and he said he shipped it before he even got my payment and he didn't think I'd want to pay for insurance on something that cheap. I didn't ask him to but he paypaled it back to me and all was well so yeah I'd ask him what's up before I left him feedback.
BASEagle even if he shanks you on the insurance but you still got your coin safely then the deal wasn't totally bad so me myself wouldn't neg him maybe the worst I'd do was leave good feedback saying "paid for insurance I didn't get but otherwise smooth deal" or something similiar.
If you would have paid for insurance and the coin never arrived and the dealer would have said so sad too bad then I would have negged him in ½ a heartbeat.

jakeblues2

I do my own insurance on eBay auctions sometimes. If the person pays extra for insurance, then I will take responsibility if the post office loses it. Doesn't matter to the customer, so long as they get paid if the item gets lost. If you trust that this is what he was doing, then why worry if he insured it or the post office did?

kieferscoins

<< <i>I won an eBay auction from a guy who posted to this very thread and I paid for ins and he didn't insure it & I asked him about and he said he shipped it before he even got my payment and he didn't think I'd want to pay for insurance on something that cheap. I didn't ask him to but he paypaled it back to me and all was well so yeah I'd ask him what's up before I left him feedback. >>



That was me. I jumped the gun and shipped it after some pms and I got your address. I should have waited for the payment. We all learn.

Cameron Kiefer

Prometheus183

I say drive to his house and shoot'em down in his own kitchen.

Or, just ask him what the deal is before posting feedback. Probably just an oversight.
Does he sell a lot of goods, and if so, how frequently? If he does several hundred items a month, it's easy to make a mistake.
I'm sure if you contact him with a soft approach you'll get a satisfactory resolve.

Craig

braddick

Do you like the coin?

DCAMFranklin

Why not simply pick up your keyboard and ASK the man? Why assume the worst? I once had a similar situation way back in my early Ebay days. When I brought it to the seller's attention, he apologized and told me the S,H&I was on him for my next purchase (regardless of how many coins or value). That turned out to be a great value for both of us!

Dave99B

Positive.


Dave

Barry

Tell him you never got the coin, and then say you're glad it was insured. See how he reacts

nankraut

You won it...you paid him...he sent coin...you received coin...what's the problem??

paul43438

either ask him or don't up to you. if you don't then you wonder about for a while.
I'd leave positive as you got the coin, okay.
paul

ddink

Positive.

a) You pay the post office x amount of money, if it's lost after a bunch of red tape and paperwork they refund your money.
b) Seller charges the same amount as P.O. to insure, if it's lost he pays you out of his own pocket.

Either way, you are guaranteed to get the item.

ldhair

To me it's a hobby and a buck or so on a deal is not worth the time to mess with.

Some sellers self insure and I have no problem with that.
The real test is if the seller takes care of problems.

Donovan

<< <i>

<< <i>I won an eBay auction from a guy who posted to this very thread and I paid for ins and he didn't insure it & I asked him about and he said he shipped it before he even got my payment and he didn't think I'd want to pay for insurance on something that cheap. I didn't ask him to but he paypaled it back to me and all was well so yeah I'd ask him what's up before I left him feedback. >>



That was me. I jumped the gun and shipped it after some pms and I got your address. I should have waited for the payment. We all learn.

Cameron Kiefer >>




Scameron.

BAJJERFAN

<<"You won it...you paid him...he sent coin...you received coin...what's the problem??">>

The problem is that if the coin gets lost and seller can't prove he insured it then yer SOL or he pays up. Just cuz he got lucky and you got the coin doesn't excuse him. If insurance does't show as part of the postage than tell me why.
I recently won an auction and sent payment aqnd forgetting to add insurance. When I realized that the already excessive S&H did not include insurance I emailed the seller and sed insure the package and I will send extra $$$ which I did. Coin arrived uninsured. I emailed seller and sed I was disappointed and that a refund mite be in order. He did refund it. When I pay for insurance I want to see some evidence that it was purchased or a statement in his item description stating that he self insures.

tgilliams

Sometimes it's an honest mistake. I mailed 11 packages other day (work full-time) and 9 wanted insurance. I made a mistake and you want to neg me. What happened when you emailed seller, did he refuse to re-imbursh you. If so, go ahead a ding the guy for $1.30. Forgot to ask, how many times has this seller done this to you? If it's the 1t time, & didn't ask for reimburshment, if more than once and no reimburshment, you may have a case. if not forget it, unless $1.30 will break you.

tjennings

If I pay for something, I expect to get it.

goose3

nevermind....I didn't read ALL of the posts and thought Cam was the guilty party and don't want my Praise of him left on this thread!

BAJJERFAN

Well you don't know that the seller made a mistake but I would ask him before I left FB and at least give him a chance to explain.

darktone

I self insure under $50. It really does make sense because it saves me a trip to the post office. And if the package gets lost I can refund your money quickly and save a few more trips to the post office checking on the lost package and filling out forms that must be sent to you to fill out then returned to me and then off to the claims office. It might take 60+ days to get a refund through the USPS- I will refund after 30 days. I thinking giving this seller a neg is totally uncalled for. mike

291fifth

Self insurance makes sense, especially if small amounts are involved. USPS insurance is very pricey. I'm sure it is a major profit center for the Postal Service.

Dog97

<<<That was me. I jumped the gun and shipped it after some pms and I got your address. I should have waited for the payment. We all learn.

Cameron Kiefer >>




Scameron.>>>

That was uncalled for even if you were joking because he wasn't trying to scam me for $1.30. I appreciated his effort in getting my coin to me quickly.
Keifer's cool in my book.
The point is that I asked & he told me it was a mistake & made it right & it never even became an issue.

dbldie55

Anyone who would leave a neg because they paid for insurance, received their item, but the seller self insured speak up here. I want to make sure to put you on my block list. Many times the fact a package is marked as insured leads to it missing.

Now if you pay for insurance, and the package never shows up, and the seller does not cover the cost then that should lead to a neg.

BAJJERFAN

<<"Now if you pay for insurance, and the package never shows up, and the seller does not cover the cost then that should lead to a neg.">>

He deserves a lot more than a neg fer crap like that. All I can say is if you self insure or buy some other third party coverage then SAY SO unless yer tryin to hide something. If you at least tell me then I got it down in B&W if there is a problem instead of a seller tryin to weasel out of it later.

Bunker

Positive

grip

You got the coin,why would you complain for a few $.
Al

BAJJERFAN

<<"You got the coin,why would you complain for a few $.
Al ">>

You people just don't get it! You pay for a service and when the package arrives and it is apparent that the service wasn't provided then YOU ARE OWED an explanation. End of story.

dbldie55

<< <i><<"You got the coin,why would you complain for a few $.
Al ">>

You people just don't get it! You pay for a service and when the package arrives and it is apparent that the service wasn't provided then YOU ARE OWED an explanation. End of story. >>



How do you know you did not get the service? If a person self insures, you get the service. Where is it written that if you are going to use insurance other than USPS, you have to state it?

I only worry about getting what I bid on, I guess others don't care what they bought, as long as the USPS got a cut.

NoGvmnt

I agree with the minority here. Self insurance is fine IF YOU ADVISE OF THE FACT IN THE ORIGINAL AUCTION. We all know how crooked people have become on Ebay. What's to stop a "self insurer" from refusing to rectify a situation should the item not arrive? What's to stop the buyer from fraudulently claiming to not have received the item and demanding a refund once the buyer realizes that the seller did not purchase insurance that was paid for? Insurance and/or delivery confirmation protects both sides of the transaction.

I would Email the seller and if no satisfactory response is forthcoming, leave a neutral stating that you paid for insurance but received the item uninsured.

It is a matter of principal people.

Jim

ldhair

For $1.30 I would hunt him down and demand a refund face to face.

It is a matter of principal

BAJJERFAN

<<"How do you know you did not get the service? If a person self insures, you get the service. Where is it written that if you are going to use insurance other than USPS, you have to state it?">>

Its not written anywhere that you HAVE to state it, but common sense says that you SHOULD state it; that way the buyer has some peace of mind when he makes payment that his interests will be protected. If you use anything other than USPS insurance preface your item description with a paragraph titled A WORD ABOUT INSURANCE and explain your policy.

Whether or not I would neg the seller would depend on what kind of explanation he could provide for his actions. I mite be inclined to contact a couple of his previous winners for their thoughts.

Insurance or not, as a seller you still have some custodial responsibility for YOUR CUSTOMER'S property UNTIL you walk away from the postal window.

FYI the number on the USPS insurance receipt can be used to track the package just like delivery confirmation or tracking from registered mail so you know whether or not the buyer received. When an envelope arrives in your mailbox with 87 cents postage I'm pretty sure its not trackable.

airplanenut

I'll chime in with the majority--I self insure because I can ship faster (from my home rather than the PO), and for non-Registered packages, it's cheaper... this may have been the case in the auction--then again, I state it in all of my auctions.

Jeremy

BAJJERFAN

<<"I'll chime in with the majority--I self insure because I can ship faster (from my home rather than the PO), and for non-Registered packages, it's cheaper... this may have been the case in the auction--then again, I state it in all of my auctions.">>


If the customer says he didn't get a $400 coin do you just happily cut him a check for $400 or how do you know he isn't scammin you?

JadeRareCoin

We pay for all shipping and insurance on every eBay lot that we sell. It saves us some time by not having to negotiate with buyers about $1 here or $1 there. Know what I mean?

That being said, some sellers on eBay are self insured. We pay $2,700 per year for a policy that covers us on the mailing of coins/currency. This policy covers us for big ticket items mostly, but per the terms of the policy, we must use USPS Registered or Express mail, and there are limits of protection for each method of shipping; $25,000 on Registered and $10,000 on Express, per package, $50,000 per occurrence.

For eBay lots, we rarely use Registered or Express, but rather First Class or Priority Mail. Lately, Priority is the preferred method and we do not insure those packages. Instead, we use Delivery Confirmation. This helps to discourage some from stating that they never received a package. If a package is worth over $200, I automatically ship Priority with D.C. If a package is worth less than $200, I usually ship with $100 insurance, just to get some tracking information. On smaller packages ($5-$100), we are self-insured. We have never lost a package, so in theory, we have saved thousands of dollars by not buying USPS insurance. That money could/will be used if and when an uninsured package is lost. How we ship a package is handled on a case-by-case basis.

The point is that we should not assume that all sellers are insured only under the USPS insurance program. It only becomes an issue when a package is lost and you cannot recover. That's when a negative feedback is justifiable.

BAJJERFAN

Well I don't care if you self insure through Mutual of Mars, just let your buyer know that his interests are protected. Common courtesy IMO.

onlyroosies

Just for the record. I self insure up to an $80 value. I will not list in the auction that I self insure.
It will only lead to someone saying that they did not receive the coin when they did knowing that
its self insured. I have had a couple of e-Mails requesting a refund for the insurance. I reply that
I insure with an outside source up to $80 (which is true, I'm an outside source). I don't like anyone
knowing that I self insure. I will then offer a refund but will also ask that if they are uncomfortable
with my insurance arrangement to please pass on any further auctions of mine.

I trust the people on this board so I guess thats why I posted this even though it goes against
what I said about not wanting anyone to know. I have only had two packages out of hundreds
lost. One was for $250 and was insured through the post office. It took 3 months to get a check
from them. The other was a $10 item that I refunded within 2 days.

I believe a sellers feedback speaks volumes. If there have been problems you will see it in there
feedback.

You received the coin, Leave positive feedback.

fishcooker

I thought Delivery Confirmation had nothing to do with assuring a package arrives at the correct address.

Russ

<< <i>I thought Delivery Confirmation had nothing to do with assuring a package arrives at the correct address. >>



You thought correctly. All delivery confirmation does is confirm the package was delivered - somewhere, not necessarily the right somewhere. For real protection, the seller needs "signature" confirmation.

Russ, NCNE

JadeRareCoin

thought Delivery Confirmation had nothing to do with assuring a package arrives at the correct address

True. It allows us to verify if the package was delivered or not. It's just a bit of information worth have for $0.50 (or something close to that). Russ is correct; signature confirmation is better and we use that as well. Just depends on the circumstances. For example, we do a lot of repeat business and I am more relaxed with a familiar customer than I am with a eBay buyer who resides in Europe, for example.

Dave99B

Hello! The Seller is taking the risk, not the Buyer! Get it? Hello!

If you say you didn't get the coin, it's HIS PROBLEM, NOT YOURS! He coughs up the refund. Why? Because he assumes the risk, NOT YOU.

Neg-ing him over this is beyond absurd. Neg folks to don't sent the dang coin! Geez!

Dave

babboonbobo2

Since he got paid and you got your coin, NO PROBLEM!!

mhnies

Under NO circumstances will I leave a neutral or negative feedback rating.

I have done it in the past when I was outright defrauded and it was a mistake
because the crook left me negative feedback, spewing outright lies.

Leaving negative feedback isn't worth the risk of getting it in return. Don't do it.
He will get what coming to him eventually and your rating will be clean.

As far as self-insuring, there is nothing wrong with a seller doing that but he
should inform the buyer ahead of time. None usually do because they fear a
buyer will rip them off claiming they never got delivery when in fact they did.

Buyers that pay extra for insurnace want to see that it was purchased or they
will think the seller just took extra money from them.

I have found the best way to handle shipments is to use UPS. Signature confirmation
is free as is Insurance up to $100, and over that, it is cheaper than the post office.
It also keeps me from standing in line at the post office for 30 minutes at a time.

Some people will only accept shipments at their PO box, for them, they will have to
buy somewhere else.

Michael

JadeRareCoin

have found the best way to handle shipments is to use UPS.

Interesting idea, but I thought that UPS and FedEx do not allow for the shipping of coins/currency, including collectibles.........

mhnies

WOW....I made the call and you are right....no coins or collectables.

I have shipped firearms with them and just assumed coins would not
be a problem........Damn....I am back to standing in line at the post
office.........

BAJJERFAN

Heritage uses FEDEX for pricey coins.