Shipping Insurance - The Gag

bmattock said:
However, my objection is to the fact that the Postal Service has done the public the disservice of teaching them that if you really want something TO ARRIVE, you should buy insurance.


Bill, that's a good point. By doing that the USPS would mislead the public about the function of insurance altogether. If true, it seems to me that as far as the USPS is concerned, their version of "insurance policy" isn't really insurance at all. It's more like "motivation policy".
 
Bill,

First of all, this whole situation is unfortunate.

I rarely get insurance. When I bought an M from Tamarkin (an established business) I did insure the contents. In that situation I could get a "real" receipt and fight if I needed to. am not really sure how effective an ebay invoice can be in that battle. The USPS wants documentation when you file a claim.

What I do is this-

If it is something like a new book I bought for $3.50 on ebay, I just ask the seller to add Delivery Confirmation. It costs $0.45. This doesn't require a signature, so it is possible someone could steal it from your doorstep. But if it never gets to your doorstep, you can demonstrate that to the P.O. by having them track the number.

If it is something like a lens that I got on ebay for say, $200, I ask the seller to attach Signature Confirmation. It costs around $1.30 and requires me to sign for the package. It can't be left on my step or in the rain. I have to make the extra effort to go get it at the PO if I am not home at initial delivery but it seems worth it to me. nce again, if it doesn't show they can track it.

These are two option that may help you in the future. Sorry again about the b.s. you're dealing with now.
 
cbass said:
Bill, that's a good point. By doing that the USPS would mislead the public about the function of insurance altogether. If true, it seems to me that as far as the USPS is concerned, their version of "insurance policy" isn't really insurance at all. It's more like "motivation policy".

Oh, it gets better. I have an interest in vintage stereo equipment as well. I have stopped buying it on eBay - too much money to ship - but before I twigged to that, I had a few problems. Mostly due to sellers - improper packing.

But I ran into issues with the 'insurance' sold by FedEx, UPS, and USPS. Seems they'll sell it to you just fine. They even let you tell them what's in it - 'vintage stereo receiver' etc. But they don't actually insure those things, which you find out when you file a claim. They have rules - you can find them if you search with a magnifying glass for a few days. Too bad, so sad - they refund your insurance payment ONLY and you're just hosed.

I would tend to guess that vintage cameras would be similarly denied coverage - but I could be wrong.

What a bunch of scammers.

Best Regards,

Bill Mattocks
 
the lobster said:
Bill,

First of all, this whole situation is unfortunate.

I rarely get insurance. When I bought an M from Tamarkin (an established business) I did insure the contents. In that situation I could get a "real" receipt and fight if I needed to. am not really sure how effective an ebay invoice can be in that battle. The USPS wants documentation when you file a claim.

What I do is this-

If it is something like a new book I bought for $3.50 on ebay, I just ask the seller to add Delivery Confirmation. It costs $0.45. This doesn't require a signature, so it is possible someone could steal it from your doorstep. But if it never gets to your doorstep, you can demonstrate that to the P.O. by having them track the number.

If it is something like a lens that I got on ebay for say, $200, I ask the seller to attach Signature Confirmation. It costs around $1.30 and requires me to sign for the package. It can't be left on my step or in the rain. I have to make the extra effort to go get it at the PO if I am not home at initial delivery but it seems worth it to me. nce again, if it doesn't show they can track it.

These are two option that may help you in the future. Sorry again about the b.s. you're dealing with now.


I have just been perusing the USPS website. Interesting information.

If you ask for delivery confirmation - just as you said - it just means the item was delivered - assuming that the carrier was telling the truth. In any case - they don't refund the loss. Still too bad, so sad. We tried. You lose.

In the case of 'signature confirmation' the same thing happens - if they forge a signature or just don't bother getting one - too bad, so sad. We tried, you lose.

Check it out for yourself!

The only way they actually refund the price of anything is if you buy the insurance. And then it has to be something that they actually insure - they'll sell you insurance on anything, and deny the claim later if it was something they don't consider insurable. Otherwise, if no claim is made (because the item arrived) they kept the premium on a risk they never assumed - can you say CLASS ACTION LAWSUIT?

I have just downloaded a PDF form - PS Form 1510, which is a five page monstrosity that you file when a package goes missing. You know what it means? Bupkis! They even admit it - you send it in, they do NOTHING and they DON'T EVEN RESPOND TO YOU. What they do is try to a) look in the dead letter office to see if something resembling your item shows up within six months and b) track metrics to see if there is a problem with a carrier. Nothing that helps YOU.

So file the form! Make yourself feel better! We don't care even one little bit!

Argh.

You might want to check again on the delivery confirmation and signature confirmation. They don't actually assume any risk or pay any loss if those efforts fail too. And if buying that crap means that the chances of the item arriving are higher - that's an indicator of a problem, not an assurance of quality. Basic delivery is included in the deal for the price of the POSTAGE. Buying extra things to make sure they do what they said they would in the first place? That's the Mafia, not the Post Office.

Best Regards,

Bill Mattocks
 
OK, look. Insurance is to ensure that your package does not arrive DAMAGED. The POSTAGE is to ensure that it actually arrives.

This isn't what you're going to want to hear, but I think you're being too hard on the USPS.

The above quote is only what you prefer to believe -- NOT what the USPS agrees or (more importantly) what a court would agree. It's a little like saying, "I don't need auto insurance because I paid for a car that drives, not one that crashes into trees."

The fact is that you buy insurance -- any insurance -- to protect yourself against risks, such as the risk of loss or damage to the property.

Handling it the way you prefer would put the USPS in an impossible position. The alleged seller says, "I swear I mailed the package." The alleged buyer says, "I swear I didn't receive the package." The USPS says, "Okay, we'll take your word for it. Here's a sack of money." How do they know the seller mailed the package at all, or that he didn't send you a box of rocks, or that the package was worth what you claim it was? Sure, WE know you wouldn't lie to the USPS, but they can't afford to do business that way.

What I think is off-kilter about your situation is that YOU aren't the one who should have been worried about buying insurance. As it stands, you paid money to the seller, and you didn't receive anything. Oh, yeah, he SAYS he sent it to you, but how do you know? As it stands, you paid your money, you received no merchandise, so you're entitled to a refund.

It's the seller who should have bought the insurance, to protect himself against possible loss to his merchandise in transit to you. (If he wanted you to reimburse him for the cost of the insurance, that's for the two of you to negotiate.)

Since you received nothing from him, he's obligated to return your money, and then it's up to him to proceed against USPS to try to get his property back.


Personally, I insure shipping on anything valuable that I sell over eBay, whether the buyer requests it or not. I do it for my own protection, not the buyer's.
 
You dont buy car insurance to ensure that you actually receive a car, you buy it to guard against the possibility of loss while it's in your posession. Common Carriers, or the USPS, are selling a service. They agree for a price to deliver your package to this location, and they have a responsibility to take reasonable care of your package. If I ship a carton of icecream to Bill, and it melts, I have no claim because they had no reason to believe that normal room temperatures would damage the contents. But if they skewer it with a forklift, they are responsible for damages. If it is stolen by one of their employees - it is stolen by the US Post Office. The law may suppose otherwise, but then Charles Dickens comes to mind. If you think they dont honestly believe this principle, try wearing a confederate flag shirt to work at the post office and see what they tell you on your way out the door.

I'll say it again, insurance is a service provided by a third party to protect you from loss. At the very best, insurance provided by the carrier is a conflict of interest, and it creates disincentive for the carrier to act ethically.
 
bmattock said:
...You might want to check again on the delivery confirmation and signature confirmation. They don't actually assume any risk or pay any loss if those efforts fail too. And if buying that crap means that the chances of the item arriving are higher - that's an indicator of a problem, not an assurance of quality. Basic delivery is included in the deal for the price of the POSTAGE. Buying extra things to make sure they do what they said they would in the first place? That's the Mafia, not the Post Office.

Best Regards,

Bill Mattocks

I know they won't refund anything for these two services. I didn't claim they would. I use them for other reasons.

I agree with you, they are services IN ADDITION to the service of delivery which is paid for by postage.

I guess the only answer is local pick-up.
 
jlw said:
This isn't what you're going to want to hear, but I think you're being too hard on the USPS.

Possibly. I have this strange expectation that people should be held accountable to do their jobs.


The above quote is only what you prefer to believe -- NOT what the USPS agrees or (more importantly) what a court would agree. It's a little like saying, "I don't need auto insurance because I paid for a car that drives, not one that crashes into trees."

Not quite. It's like saying "I am buying a car that is not on the dealer's lot, and I expect it to be delivered to me from the factory." If the car fails to show up, the dealer can't reasonably tell me too bad for me.

The fact is that you buy insurance -- any insurance -- to protect yourself against risks, such as the risk of loss or damage to the property.

Agreed. And in the case of loss, the insurance pays off.

That's not what the Post Office says to people - and it is not what people say to each other. They say "Buy insurance if you want to make sure the item arrives." Do you see the difference? Semantics, perhaps - but to me the logic is quite clear. If you don't want to have your package go missing, you should buy insurance. Not to protect against loss/damage - to ensure that it GETS THERE.

This is the canard the Post Office repeats like a mantra over and over again - go ask them. Oh, they don't put it on their web site, but that's what they'll say to you in person if you ask.

Handling it the way you prefer would put the USPS in an impossible position. The alleged seller says, "I swear I mailed the package." The alleged buyer says, "I swear I didn't receive the package." The USPS says, "Okay, we'll take your word for it. Here's a sack of money." How do they know the seller mailed the package at all, or that he didn't send you a box of rocks, or that the package was worth what you claim it was? Sure, WE know you wouldn't lie to the USPS, but they can't afford to do business that way.

Agreed. So I'm stuck. Oh, wait. If you refer back to my original rant - one of the sellers got a 'delivery confirmation' slip back from the Post Office on the package he sent me. The mail carrier swore that they delivered it.

Know what that gets me? Bupkis, is what. Nothing, nada, zilch. They agree they delivered it. If pressed, they'll refund the amount of the delivery confirmation fee to the seller who shipped the camera. That's it.

So that does a whole lotta good, huh? I feel so much better now.

What I think is off-kilter about your situation is that YOU aren't the one who should have been worried about buying insurance. As it stands, you paid money to the seller, and you didn't receive anything. Oh, yeah, he SAYS he sent it to you, but how do you know? As it stands, you paid your money, you received no merchandise, so you're entitled to a refund.

When I originally emailed both sellers, I got an instant response from one, and no response from the other. The first said "Well, I sent it. That's all I can do. I offered insurance, you didn't buy it. Sorry." The second ignored me until I had sent 4 'friendly' emails and then filed a complaint with Paypal. Then he responded to all four emails in a couple of minutes - accused me of trying to cheat him, saying that "I know good and well that I got the camera" and so on. Now he's aware that Paypal has him by the short-n-curlies, so he is digging out the confirmation card he got from the Post Office. Not that it will DO ANYTHING, though - so what's the point?


It's the seller who should have bought the insurance, to protect himself against possible loss to his merchandise in transit to you. (If he wanted you to reimburse him for the cost of the insurance, that's for the two of you to negotiate.)

It is just as likely that I am lying to the seller as that the seller is lying to me - or the Post Office lying to both of us, or someone stole it off my front porch - etc. So why would the liability end with the seller?

Since you received nothing from him, he's obligated to return your money, and then it's up to him to proceed against USPS to try to get his property back.

You may be right - but they have only my word to confirm that I never got the packages - I could be lying, just like they could be lying about having sent them.

Personally, I insure shipping on anything valuable that I sell over eBay, whether the buyer requests it or not. I do it for my own protection, not the buyer's.

All it protects is money. The Post Office wants you to believe - and many here do, just listen to them - that the insurance you buy actually helps it to arrive as it should have all along. If true, that's extortion. If not true, a vile canard.

The term 'best effort' covers a lot. The Post Office appears to be saying "If you buy postage, we promise our best effort to deliver it. However, if you buy insurance, we promise to try even harder." That's impossible. Either they gave their best effort in the first place or they didn't. They can't promise to do all they can do - and then redouble their efforts in return for more money. Deliver it faster, yes. Deliver it with more aplomb or polish, sure. Deliver it in a limo and escorted by armed guards, fine. Charge extra for all those 'services'. But paying more for the basic delivery they've already contracted to provide their 'best effort' for? No. I'm not being to hard on the Post Office, they're being crooks and getting away with it.

But in the end, you are right about one thing - if you want your package to arrive, buy the bloody insurance. Like the Mafia. If you don't want your business to burn down mysteriously, pay them when they ask nicely.

Best Regards,

Bill Mattocks
 
jlw said:
It's the seller who should have bought the insurance, to protect himself against possible loss to his merchandise in transit to you. (If he wanted you to reimburse him for the cost of the insurance, that's for the two of you to negotiate.)

The seller no longer owns the merchandise after it is sold, and would technically no longer have an insurable interest in it. This type of exposure is usually excluded from third-party liability contracts. The USPS, being a government entity, is likely a self-insurer and would probably not have a typical third-party liability policy in force.

I guess customers would have to check the USPS website for information on the limits of its their common-carrier liability. 😕


On a side note, I suspect there are a few letter carriers in NC and elsewhere who may not be getting a tip during the holidays.... 😉
 
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cbass said:
The seller no longer owns the merchandise after it is sold, and would technically no longer have an insurable interest in it. This type of exposure is usually excluded from third-party liability contracts. The USPS, being a government entity, is likely a self-insurer and would probably not have a typical third-party liability policy in force.

Interesting question. As a seller, I'd hate to mail something and then have to refund the money as well. I'd feel ripped off, regardless of the customer telling the truth or not. As a buyer, I am paying my money and getting nothing in return.

So when is the sale complete? When the seller ships it, or when the buyer receives it?

I guess customers would have to check the USPS website for information on the limits of its their common-carrier liability. 😕

I doubt they can be forced to pay for anything unless you buy their into their extortionist policy racket. I note that the insurance also covers 'rifling' of the contents of your package. I guess that means that if you don't buy it, it is OK for the postal employee to dig through your packages. I mean, if you wanted the package to arrive intact, you should have purchased insurance, right?

On a side note, I suspect there are a few letter carriers in NC and elsewhere who may not be getting a tip during the holidays.... 😉

We have a new carrier lately. That's about the time all this stuff started happening. UPS and Fedex packages still arrive with no problems - so I doubt that the problem is theft off my porch. I have been getting my mail later and later each day - sometimes after 7:00 p.m. I have been given packages with the wrong name, wrong address, wrong street, etc - and had to chase after the carrier and even argue with her over whether or not it was 'my' package! She cocked her head at me and said "Are you sure that's not for you?" Yeah, I'm Mattocks, this says Smith. I live at 105, this says 592. I live on Jones street, this says Barkley street. Very similiar, I can see where you could get confused.

And that's not all...(here we go).

I get letters addressed to previous owners of the house. Not that big a deal, right? Well, if someone sends ME a letter addressed to "Billy" Mattocks (my sisters and nieces and nephews call me that), it often goes back to them - stamped "Undeliverable as Addressed" even though the address is absolutely correct. I've gotten calls from a credit card company - they got their bill back marked that way - they had sent it to "William" instead of "Bill" and they were convinced I had skipped town on them. So, the carrier will deliver to anyone who ever lived in the house in the last 80 years - but not to my various diminutives or formal full name.

When we moved in, we were told by the Post Office that we had to put a mailbox up on the curb - despite the fact that we live in a historic district and everyone else has a letterbox on the house. They told us that they were going to make EVERYONE do that in time - just making us do it because we had just moved in.

It took me two weeks to buy and install the mailbox. In that time, we continued to get mail in our letterbox on the house. But it was all for the previous resident. When we started wondering where ours was, I went to the Post Office - they had two weeks worth of mail piled up for us. They didn't tell us they were not delivering our mail - they just refused to deliver. Well, they delivered the previous owner's mail. That's something, I guess.

And, more people have moved in - they don't have to put up mailboxes on the street. We still have the only one. The local Historical commission is convinced that we're making it up, and they want us to take the thing down.

And the carrier only SOMETIMES delivers to the mailbox on the street. Sometimes, they deliver to the letterbox on the house. Sometimes they put small packages in the mailbox and letters in the letterbox. So we have to check BOTH, every day.

So....

Does our letter carrier get a card this Christmas? Sure. You bet. Too bad I mailed it to them, now they'll never get it.

Best Regards,

Bill Mattocks
 
Some of these instances are plain hilarious. But I sympathize with you Bill. When I read your first post in this thread, I couldn't help feel the exact same sentiments. But then I find myself agreeing with most of what Jim (jlw) says too. I guess, as others have pointed out, the only solution that comes close is having a 3rd party insurance contract.

I didn't know USPS inflicted such horrors. I've been using them happily for a while for all shipments. Just recently, I shipped to South Korea and the package seems to have got there fine (by the tracking system). Haven't heard from the recipient though. I might have been lucky. I started using them exclusively, so much so that I would say no UPS. That was after I was slammed with a big 'brokerage' fee for a package from Canada.

Now can anyone tell me what the hell a 'brokerage' fee is, and why I should pay it? I don't understand how I can be charged something I never agreed to pay. I mean, it was not shipped via some 'collect' means, so how is the recipient liable to pay anything (save customs)? Shouldn't I be informed of fees beforehand? So I can refuse it if I wish. I get this bill some ten days after I got my package, and it tells me to pay UPS some $40 or thereabouts. So what did I do? I didn't pay. Just ignored it. It's been months now and I haven't heard from them. No collection either. I'll be damned if I tamely submit to such crooks.
 
The agreement for a "brokerage" fee from UPS is burried in what has been termed "mouse print." Legaleze printed in a typeface so small that only small rodents can easily read it.
 
Little Prince said:
I didn't know USPS inflicted such horrors.

I had not had such problems in the past - and besides the weird 'you gotta have a mailbox that we'll ignore' fiasco, things have been fine until recently. But when you complain to the Post Office, you find that they take responsibility for nothing.

Most aggravating - but again, unusual until recently.

Best Regards,

Bill Mattocks
 
Bill, I'm normally 100% in agreement with you on most things and I regret the losses you've suffered. I do not, however, agree that insurance is only to guarantee that the items arrives in the same condition as shipped. I view insurance as additionally guaranteeing that the package will be delivered. It also takes away the seller's option to simply pocket the money, claim they sent the item and blame the USPS for losing the package. In most cases the insurance costs $1.30 extra which I insist on adding if the seller makes it optional.

Going back to your list of grievances against your new carrier, I'd be knocking on the Post Master's door and have a little chat with them concerning the very complaints you've detailed. The insistance of your mail carrier to deliver the wrong package to you when everything about it was wrong is very telling and that, in particular, should raise all sorts of red flags.

A couple of months back we had a new part-time carrier and she delivered a couple of my packages to people on the next street over. My street is "Red Oak" and theirs is "Old Oak"...... understandable mix-up. The people marked the boxes as not theirs and I got them two days later when they were re-routed back through the PO. UPS, OTOH, has tried to deliver a package of mine to a "Red Oak" in Macon, GA, and that had to be straightened out.

My only complaint concerning insurance isn't really about the insurance itself but the sellers who over-charge for it. I usually find this to be done by the same people who inflate shipping charges and I avoid bidding on anything where shipping is used to pad profits. Sellers who inflate shipping charges are - IMO - dishonest and it's a good indicator that they are not trustworthy.

Again, I'm sorry for your problems and hope you can get them squared away.

[Edit]: After reading your additional posts about the problems you've had with your local post office, I believe I'd have a short, to-the-point, discussion with the local Postmaster. I'd detail my complaints and flatly state that my next complaint would be to the United States Postmaster General and that I intended to detail the list of abnormalities that I'd been subjected to. If that doesn't get their attention, nothing will.

Walker
 
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doubs43 said:
Bill, I'm normally 100% in agreement with you on most things and I regret the losses you've suffered. I do not, however, agree that insurance is only to guarantee that the items arrives in the same condition as shipped. I view insurance as additionally guaranteeing that the package will be delivered.

Walker,

Not to get too fashed over it. I've had my rant and my pout and now I'll move on. I did have a long chat with the station manager on Saturday - lot of good it did. The packages are gone, that's that. They won't be mysteriously showing up, I suspect.

I have to disagree with your statement above - insurance should NEVER be "guaranteeing that the package will be delivered." It pays a replacement value to be negotiated if the package is never delivered (or is damaged, rifled, etc).

I paid postage to have it arrive. I pay for insurance to cover my loss in case it does not - but it is still supposed to arrive. If they Post Office is telling me that buying insurance means they will do a better job of actually delivering my package, they're engaging in extortion and it is illegal. My opinion only.

Best Regards,

Bill Mattocks
 
bmattock said:
Walker, I paid postage to have it arrive. I pay for insurance to cover my loss in case it does not - but it is still supposed to arrive. If they Post Office is telling me that buying insurance means they will do a better job of actually delivering my package, they're engaging in extortion and it is illegal. My opinion only.
Best Regards, Bill Mattocks

Bill, again I'm sorry that your packages have been "lost". Your problems with your particular PO seem to go beyond the norm and that's why I suggest contacting the Postmaster General. Local Postmasters don't like attention drawn to their PO operations so maybe just the threat of such action could improve your service.

I use insurance as a two-edged sword; to keep the seller honest and to hopefully keep the PO honest. It's still no guarantee. I fully understand your position and I do agree that it shouldn't be necessary. I'm really on your side but happen to think that insurance does improve the chances of my packages getting to me as they should. I hope you don't have any future problems with delivery of your purchases.

Best Regards, Walker
 
Hmm.. Bob, notwithstanding the despicable pracitce of obfuscating matters in small print, my point is still separate from this. When I am the *recipient* of a package, how can I be subject to any agreement. The sender may have entered some sort of agreement with the carrier (in theory), but how does the addressee have anything to do with it?
 
Bill, I second Walker - talk to the local Postmaster, or file a complaint with USPS (if they have such thing)

I've had some very similar experiences with our then new delivery man (a private contractor apparently) and after the guy left a $800 guitar sitting in the rain on the porch I called the nearest branch to file a complaint.

They were very helpful, apologized and told me it wouldn't happen again..
I was told parcel delivery had been outsourced to private contractors and altough they aren't part of the company they do have to "play by the rules". If the complaints are coming in by the dozen they loose their contract.
The woman said they'd look into it and send out a notice/warning to the contractor.
Haven't had any problems ever since.

phil
 
Sorry to hear about all of this, Bill. It sucks.

On the subject of subcontractors... IMO it does pay to complain to the PO (or the company hiring the subcontractor). Some years ago my orders from one or two Dutch online bookshops always arrived damaged, torn, opened or in any other non-acceptable way. The delivery guy once even left my box in front of the door (I live in a busy street with a supermarket next door). The box was there when I got home but it could easily have been different. Every time my parcel didn't arrive in a proper state or fashion I complained with the online bookshop. Every time I got apologies, a rebate coupon and a few times a replacement order. After 3 or 4 such incidences they suddenly stopped to never return. It turned out that those bookshops were also using some subcontractor to make the deliveries instead of simply using the national post office services, and a bad job this contractor did. The bookshops got rid of him and service returned to a normal level.
 
I was just now poking around on the bay and found an sonar SX-70camera.
Starting bid is low andI'm considering it. On the page is a "shipping calculator" button. So I go see what shipping to me will be.
Here's the page the button took me to:LOOK AT THIS! I am astounded!
You will need to enter a destination. Doesn't matter where. Check out the results.
The camera itself is HERE
if anyone cares.
Rob
 
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