I appreciate the input guys. the guy seems like a decent guy so im not to worried. the insurance cant be used until may 5th.
I didnt have an opinion either way when i made this thread i was simply trying to figure out what i shoud do. but after reading everything I do have to agree its probably the sellers responsibility insure the package and its still his responsibility until the package gets here.
the way I look at it is why should the buyer be out money for doing nothing wrong? I know it stinks for the seller but they have insurance for a reason. The buyer shouldnt have to suffer for something out of their control.
the seller sent your package and it was delivered...there is a confirmation number showing it was delivered to you...how is it his fault that you get your mail at a central location and it's somehow walked off? he sent it where you told him to send it to...he did his part...why would you think that he owes you anything because you can't keep up with your own mail that is delivered?
as far as insurance goes, its a two way street...how things are sent are usually negotiated in any dealing...and insurance is usually "optional" at the buyers discression...when the buyer is paying the shipping and chooses to go the cheap route and not get insurance, it's not the sellers fault...if the seller is paying for shipping then I agree it's up to him to insure the item for damage or loss, but that is not what you are talking about...the seller sent your item and it was delivered to the address you gave him to ship to, the fact that you didn't get it is not his fault...once it's left his hands then how does he have control over it?
this is an issue between you and whoever got your mail...the front desk at the office or your postal guy for marking it as delivered and not getting it to you or whoever else is involved...but the seller has done his job.
You get an empty envelope then thats another story...seller has some weight to bare there and explaining to do...this is a loss/damage situation and would be filed under insurance and whoever paid for shipping would be responsible as stated above.
As for who files it, shipper or buyer...doesn't matter...USPS will pay it out quickly to either as long as the paperwork is done correctly...you might not get paid a dime though becuase there is delivery confirmation showing that it was in fact delivered...so they will probably question your mailman and if it is his obligation to drop it off at the front desk of your dorm or whatever, then they very well may consider it delivered and not pay out on it. If you are lucky, they will just pass it on through and not worry about it.
One thing though...you have failed to address here...anything sent with insurance over $200 in value through the US Postal system requires a signature...so if you had insurance as you say and it was for as much as you say it was...then someone had to sign for it.
Just a thought.
glad you got your card though...could have been a mess.