If you return an item but it gets lost and you have it insured, who gets the insurance money?

[whokilledbojangles]

I recently bought an item that turned out to be defective. I shipped it back insured. I have found out that the seller has not received the returned item yet after almost a month, so am considering going to the post office to talk about collecting the insured amount. If I do, who would get the money: Me, the seller, or both? Or is it our decision what to do with it?

[heidilynn0_3 · Accepted solution]

Hi .. Nothing to do with seller. Presumably didn't get the item back so won't refund. I assume no delivery confirmation. Its your item , your claim on CP and your pay out, if any.

[whokilledbojangles]

Actually, the seller has refunded my original payment already, does that effect anything?

[karl*katz · Accepted solution]

Making the insurance claim is your responsobility.

The seller has refunded you so the honorable thing to do would be reimburse them after the Post Office settles your claim.