PAYPAL QUESTION- some advice please

When insurance is optional, should I purchase it when paying for a card with PAYPAL. I thought when it is optional you don't have to purchase it and you're still covered as the buyer. Thanks in advance for the advice.
Mickey71
Mickey71

0
Comments
Brian
Even if the seller claims to the contrary.
Steve
I sorta hate that concept, but here's the rub:
PayPal will side with the buyer, if the items arrive damaged.
BUT...........
If the seller provides DC/SC, and the USPS misdelivers the item,
PayPal will side with the seller.
Misdeliveries are rare, but they do happen. They have happened
to ME.