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Ive shipped a musical instrument via USPS Express with insurance.

I've shipped a musical instrument...
I've shipped a musical instrument via USPS Express with insurance. The instrument was damaged in shipping. It is a guitar. Should the insurance claim cover both repairs AND any diminished resale value?
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Answered in 1 minute by:
8/8/2012
JB Umphrey
JB Umphrey, Attorney
Category: Legal
Satisfied Customers: 20,233
Experience: Explains legal matters based on 14+ years experience.
Verified
Welcome and thank you for your question!

Do you have your insurance paperwork in front of you?
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Customer reply replied 5 years ago
Yes.
Customer reply replied 5 years ago
yes.
Thank you. What does its small print say is covered?
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Customer reply replied 5 years ago
I don't have the original form, just a copy of the front. It is a usps domestic or international claim form.
What was the value that you declared when you purchased the policy?
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Customer reply replied 5 years ago
$2700.
Thank you. According to USPS,

What is evidence of value?
If the item is worth $100 or less, you can provide a statement that includes the purchase date, location, and price, as well as whether the item was new or used.

For more expensive items, evidence of value can include…

  • a sales receipt.
  • an invoice or bill of sale.
  • a copy of the cancelled check or money order.
  • a credit card billing statement.
  • a final and complete transaction sheet indicating the amount deducted from an Internet account.
  • or other documentation indicating the amount paid.

For damaged items, you’ll also need to provide an estimate of the repair costs from a reputable dealer.

 

Thus, they will only cover the repair costs.

 

Now, keep in mind that if you can demonstrate the loss in value, that is a deduction you may be able to claim on your income taxes. See Form 4684: http://www.irs.gov/pub/irs-pdf/f4684.pdf

 

It has been my pleasure to assist you today with your information needs. It is my goal that you are satisfied. No expert can promise you an answer that is favorable to your circumstances. But I will do my very best to explain the legal principles that are related to the facts you’ve described so that you can better understand the “why” of things.

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Thanks,
~~ J.B.

JB Umphrey
JB Umphrey, Attorney
Category: Legal
Satisfied Customers: 20,233
Experience: Explains legal matters based on 14+ years experience.
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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

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