Dispute, purchase protection, or SOL

[hondo522]

I bought a large item for my wife using my Paypal MC (not a paypal transaction). The item was delivered by truck not FedEx or UPS. When it was delivered, my mother-in-law inspected the box which had some dings, but nothing major. Opened the box and saw that the item's bubble wrap wasn't disturbed, so she signed for it. When we showed up a week later, my wife went to unwrap it and found it cracked. I immediately contacted the merchant who said that we were SOL because my mother-in-law had signed for it and that our only recourse was to repair it (which may or may not be possible).

I checked with the CC company, and the purchase protection is limited to $1,000 of the $1,600 cost. So, in your opinion, should I dispute the charge, try for purchase protection, or accept the fact that we are SOL.

[myjourney]

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@hondo522 wrote:

I bought a large item for my wife using my Paypal MC (not a paypal transaction). The item was delivered by truck not FedEx or UPS. When it was delivered, my mother-in-law inspected the box which had some dings, but nothing major. Opened the box and saw that the item's bubble wrap wasn't disturbed, so she signed for it. When we showed up a week later, my wife went to unwrap it and found it cracked. I immediately contacted the merchant who said that we were SOL because my mother-in-law had signed for it and that our only recourse was to repair it (which may or may not be possible).

I checked with the CC company, and the purchase protection is limited to $1,000 of the $1,600 cost. So, in your opinion, should I dispute the charge, try for purchase protection, or accept the fact that we are SOL.

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File a claim against the carrier that delivered the home. All carriers must have damage insurance

[hondo522]

Unfortunately, that's not possible either. Because it was signed for, the insurance doesn't apply. At least, that's what the trucking company says.