You buy a shotgun from some one on the net and send $ for the gun + shipping + insuracne. Gun arrives and it has been broken in transit, cracked up stock or bent barrel but is otherwise as advertised. You don't want it.

Do you send the gun back to seller and get all your money back, seller wait's for the insurance?

Let us say the seller says 3 day inspection does not apply since gun was shipped as described, it is your gun after it left his ffl and you deal with insurance. How do you handle that?