When is the gun you purchased yours?

[Travelor]

I see all the time where the seller is wanting the buyer to pay extra for insuring of an item including a gun. Let's say the item is lost in transit - who do you think should file the claim if you never received it?

It seems to me that when I order something, until I have it in hand is not mine and I have no ownership to insure.

Bad logic?

Your thoughts on

 

[rkittine]

See my response on the other post regarding this subject.

 

[billlarson]

I am of the opinon when a deal is struck...the shipping charges and ins. should also be agreed upon.................. now if a seller says xxx $$ shipped to your door....
HE IS THE ONE WHO SHOULD INSURE IT....

 

[dragman]

the person who puts the insurance is the one who has to file the claim (if you can find any of the places that will actually pay a claim) it doesn't matter what party is paying I.E. I want $500 + shipping and insurance or I want $550 shipped. that part has nothing to do with who must make the claim.
It doesn't fall too the receiving party until physical possession has been taken.

I can't call and file a claim for something for insurance that I didn't purchase.

 

[rkittine]

I think the point though is, you as the buyer almost always pay in advance. So the seller insures it, but the insurance is his against a purchase you paid for. Hopefully an honest seller would pay you back your purchase price if the item is lost or damaged in transit and the insurance amount is paid to the seller.

Bob

 

[JohnnyJohnson]

I think the point though is, you as the buyer almost always pay in advance. So the seller insures it, but the insurance is his against a purchase you paid for. Hopefully an honest seller would pay you back your purchase price if the item is lost or damaged in transit and the insurance amount is paid to the seller.

Bob

Note the key word here is "honest" . Which I have found on this forum the honest percentage is very high.

 

[barrowsr]

The PO doesn't care,where the insurance fees came from. Insurance is purchased by the shipper at the time of shipment. Shipper can designate the recipient to receive the claim money if he choses. Ideally these things should be discussed before the sale but realistically we,all assume,a package will arrive safely

 

[rkittine]

Very true and I wish that other forums I am on had the Trade Credit type rating like this site and eBay. I have not had one bad experience (knock on my computer screen) for purchases on this site.

Bob

 

[rachjake]

Title passes at FOB point. FOB at shipper's address, you own it. FOB delivered (to your address), the shipper owns it.

 

[jghoghunter]

The PO doesn't care,where the insurance fees came from. Insurance is purchased by the shipper at the time of shipment. Shipper can designate the recipient to receive the claim money if he choses. Ideally these things should be discussed before the sale but realistically we,all assume,a package will arrive safely

We ship a lot of stocks and I have never seen in the insurance area where you can designate the recipient to receive the claim money. If even so the shipper still has to start the claim.

I think the point though is, you as the buyer almost always pay in advance. So the seller insures it, but the insurance is his against a purchase you paid for. Hopefully an honest seller would pay you back your purchase price if the item is lost or damaged in transit and the insurance amount is paid to the seller.

Bob

Note the key word here is "honest" . Which I have found on this forum the honest percentage is very high.

I agree also the key word is "honest". If this was true we would not be having this discussion.
I have found that this forum to be a very safe place to buy items. Thank you all for that.

 

[jghoghunter]

Title passes at FOB point. FOB at shipper's address, you own it. FOB delivered (to your address), the shipper owns it.

Sorry to be so stupid but what does FOB mean.
I must be to old for the acronyms.

 

[Pappy42]

Anytime that I purchase a high dollar, for me, item; it's always a leap of faith.

My personal belief, is that the seller is responsible untill I receive what I paid for. If he wants to roll the dice for the price of the item; he shouldn't have any problem with returning my money.

 

[dorothydaily]

fob: free on board

 

[hogpatrol]

Not a lawyer but I did stay at a Holiday Inn a few times. ;D

From the Uniform Commercial Code.

UCC § 2-401(2) clarifies that the buyer takes ownership, or the title, once the seller successfully physically delivers the goods and the buyer deems them to be acceptable and as advertised.

My research finds that the seller interests are lost when the item is lost in transit, not the buyer's . Therefore, a refund is in order.
Fortunately, out of over a hundred transactions here, I have only encountered one deadbeat payer.

 

[Dan Hall]

As a previous business owner and shipper of many things, UPS and others always stated that the shipper start the reporting process for a lost or damaged item,which would infer that the shipper is responsible.

 

[riflewoman]

Until the goods are delivered, the shipper is generally responsible. So if an item gets lost, the the shipper has to make you whole. Which is why you should always get a tracking number. IMO, FedEx is best, UPS is second and USPS is a very distant third in accuracy of tracking. They will all lose shipments from time to time.

 

[Cold Bore]

the person who puts the insurance is the one who has to file the claim (if you can find any of the places that will actually pay a claim) it doesn't matter what party is paying

When the seller pays the USPS/FEDEX/UPS/whoever for their services, THEY are the one paying for insurance, even if the buyer is the one who actually put up the money during the purchase process.

 

[Switchbarrel]

As most others have stated in one way or another...

If I'm the buyer, you're not off the hook in my eyes until I have the item or my money back.


If I'm the seller, I either insure at my own expense to protect us both if it's over $100. If under $100, I usually roll the dice and figure if you don't get it, I'll pay you back myself.

-Rick

 

[dreever]

The only way I sell firearms anymore is "Face to Face", and cash only. Yes, I know this eliminates a lot of potential buyers but it also eliminates a lot of potential headaches.

Danny

 

[dragman]

the person who puts the insurance is the one who has to file the claim (if you can find any of the places that will actually pay a claim) it doesn't matter what party is paying

When the seller pays the USPS/FEDEX/UPS/whoever for their services, THEY are the one paying for insurance, even if the buyer is the one who actually put up the money during the purchase process.

That is what I am saying in the end the person that purchases the insurance from the insuring company is the one who has to initiate the claim. (who paid for it doesn't really matter) the idea if insurance is to be made whole. if I send $1500 to someone for a gun and it gets lost in transit and they paid for insurance and actually got the money from the insuring company then if they are honest I am entitled to my $1500 back that makes me whole.