HELLO SELLERS,  JUST A NOTE TO LET YOU KNOW - THAT IF A BUYER PAYS YOU WITH PAYPAL , THEIR IS NO NEED FOR THE BUYER TO TAKE INSURANCE ...YOU THE SELLER WILL BE RESPONSIBLE FOR THE ITEM EITHER WAY ...NOT THE BUYER ... I JUST WENT THRU THIS PROBLEM ... I SOLD A 260.00 ITEM , BUYER PAID FOR IT WITH PAYPAL , TOLD ME THEIR WAS NO NEED FOR INSURANCE...NOW I SEE WHY... ITEM GOT CAUGHT IN A USPS PRIORITY MACHINE ALONG THE WAY AND GOT DAMAGED..BUYER RECIEVED  A LETTER FROM THE POST OFFICE THAT THEY WILL HELP THE BUYER RECOVER HIS  FEE'S BECAUSE OF WHAT HAPPEN ON THEIR END ... BUYER SHOWED ME A COPY ... BUYER TURNS AROUND AND FILES A COMPLAIN THRU PAYPAL STATING ITEM NOT AS DESCRIBED ... PAYPAL TELLS THE BUYER TO SEND MY  ITEM BACK TO ME WITH A DELIVERY CONFIRMATION NUMBER , WELL GUESS WHAT , BUYER SENDS ME AN EMPTY BOX , NOT EVEN THE BOX I SENT HIM  WITH DELIVERY CONFIRMATION NUMBER ... I RECIEVE THE EMPTY BOX THATS IT  , I CALLED  PAYPAL AND TOLD THEM WHAT HAPPENED ...THEY DID NOT WANT TO HEAR ANYTHING ABOUT IT , BECAUSE HE HAD A DELIVERY CONFIRMATION NUMBER ...SO PAYPAL GIVES THE BUYER A 260.00 REFUND ... NOW I'M OUT 260.00 AND MY ITEM ...AND THE BUYER GETS A REFUND OF 260.00 FROM PAYPAL + HE KEPT MY PACKAGING AND DAMAGED ITEM TO GET A REFUND THRU USPS ALSO ..ANOTHER 260.00....SO HE NOW GETS TO DOUBLE DIP,  THATS RIGHT ANOTHER 260.00 FOR A TOTAL OF 520.00  AND I'M OUT 260.00 + MY ITEM  ... DO YOU FIND THIS FAIR..??   PAYPAL DID....PLEASE BE CAREFUL MAKE THE BUYER TAKE INSURANCE AND DELIVERY CONFIRMATION.... OH YEA, JUST BECAUSE YOU PUT IN YOUR ADD """WE ARE NOT RESPONSIBLE FOR LOSS OR DAMAGE TO AN ITEM IF BUYER DOES NOT TAKE INSURANCE """WILL NOT HOLD UP WITH PAYMENT THRU PAYPAL..!!

THANKS FOR YOUR TIME ... I HOPE THIS HELPS OTHER SELLS , SO THEY DON'T GET RIPPED OFF ALSO.

YOU DO NOT NEED TO WORRIE ABOUT THIS , IF YOU  ""ONLY ACCEPT A MONEY ORDER OR CASHIERS CHECK ""ONLY...I NO LONGER ACCEPT PAYPAL  .

HAVE A GREAT DAY...!!!!!!!!!!!