If an individual buys a gun from a dealer or auction house, pays for it in full and the gun is shipped to that individual, who is out the value of the gun if it is lost or damaged? Does the "individual" own the gun once it it shipped or is the seller responsible for getting the gun to the buyer in good condition? If the gun never makes it to the buyer, should the seller be responsible for making the buyer whole? I know what I think, but what do the legal minds think? We know that the big dealers and auction houses are self insured and that any insurance add ons go into their pockets, but who is really responsible if a gun is lost or damaged?