Well, heres what i think the problem is.
The seller never had any sort of insurance on it. Plus, since i paid through paypal, I can't open a dispute through ebay. I have to do it through paypal.. which i have done.. but to escalate it to the point where they force the seller to pay me a refund, you have to pay $25 for paypal to investigate, and they will investigate (doesnt mean i get a refund, they just look into it).. then if they decide that he does owe me the money, then they make him give me a refund.
I know it's so confusing.
Someone asked about his ebay name.. one is inactive and one is suspended.
He said he sent the item.. so we'll see if I get it