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hmm default UPS insurance is 250USD for us at work, and we dont pay more for it, maybe thats because we're a business or maybe because were in canada.
For starters i would be getting on the phone with the seller and be telling him you need the difference between 100 and what you paid. Its not right for this type of thing to happen. Yes he will be out the goods, but legally I think you could take him to court over this. My thinking is that you've paid for something that was never delievered... not being the legal expert around here you might hit up girlracer aka quin for details, she does legal work for a living and would probably be better off to answering your questions then us shmucks.
Btw details like what state he was shipping out of might help you if you do end up going legal.
Best of luck and keep us informed.
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