Buyer and seller come to agreement on price, buyer pays, seller sends package and it never arrives or arrives damaged. Seller should insure that it was shipped safely packaged and insured. Seller is responsible to file claim and to make good on refund. Time allowed is negotiable within reason between parties. If seller disagrees buyer should turn dispute over to paypal, credit card co., or post office (if p.o. money order). From my experience if buyer did not receive goods they will refund money to buyer regardless of insurance. Damaged goods are more complicated (as to shipping item back and who gets refund) but the end result will tend toward the same result of buyer receiving refund. Sellers insure your packages. Seems to be more of an Ebay problem cause of trying to save by not buying insurance. Especially on lower priced items. Think I got the basics right. I know it can be more involved. When in doubt use the golden rule. Most cultures have a version of it so it must be a pretty solid standard!
