Hi all,
For those who have commented or are interested in this off-topic topic, I believe this message board link should answer the question definitively (or maybe not...)
http://ebay.com/
The most comprehensive post seems to be:
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"There is a difference between eBay's policy and PayPal's.
With eBay, if insurance is offered but not purchased, and the item was paid for without using PayPal, then the buyer is SOL. If no insurance is offered and it breaks, it is the sellers fault according to eBay.
On the other hand, PayPal requires the sellers to get the item to the buyers in the condition described in the auction, regardless of insurance. File a SNAD with eBay, and it will bring you over to PayPal. You will have to send the item back before you are refunded. When you do, make sure that you use delivery confirmation. Without DC, PayPal will not issue you a refund.
Do NOT close the dispute until you have been refunded. Once the dispute is closed it cannot be reopened." ========================= ========================= =========================
Bottom line - Paypal has its benefits.
...Derek Davis, Phoenix