Spin4cards-
Maddening, I know. For "premium" services like Priority, Express, and COD,
the insurance is included up to a certain amount. The firm can't include big insurance automatically because the few claimants would raise rates for all.
If you've got something truly valuable, Registered is the way to go. It's not only much safer but when we're talking thousands in value, it actually costs less.
Based on the name, I presume that you're mailing mainly Baseball cards and things of that sort. Small, light, inexpensive to mail while still possiblycontaining items of considerable value. Those are going First Class which has long been the basic letter rate. Those aren't automatically insured because of the volume realized. At least that's my take. Upper Managementnever gives us any rationale as to the why of things. We get the rates and guidelines and very rarely the thought behind why they are set.
In any case, First Class being the basic rate for small items not mailed in bulk can be insured, as you note, but aren't automatically. Imagine, if you will, if all letters carried some sort of insurance. We're not talking millions of pieces in that category but billions. I used to get calls all the time about what one can do if a letter goes astray. A lot of those letters contained checks of various stripes, some quite large. While there are clumsy mechanisms in place that help us stumble through finding packages, even small ones, letter rate being both small and exceedingly numerous, poses a real problem. Should the Post Office include some sort of indemnity on the smallest, most numerous items, one could expect a deluge of claims thatwould raise rates to uncomfortable levels.
Now Officially, I don't know any of that. That's never Officially stated anywhere that I know of and I was there for over 45 years before retiring a few months ago. Common sense though leads me to those conclusions.
To oversimplify, For 50¢ what do you expect?
Realistically, there could be some sort of separation between actual letters and Small Parcels with the small parcel category including some sort of indemnity. I don't know that it's ever been proposed. Those things go through the Postal Rate Commission and we have some serious, high level intellect operating there. At the local level we're frequently puzzled with what goes on higher up the chain.
Isn't that the case with every business?
If there's something that I've neglected in my aimless ramblings here, please do ask. I've likely missed something and I'll do my best to reply.
