Originally posted by: Dain
I hate to beat a dead horse here, but it doesn't matter if they clean out their account or not--you're still covered up to $200.
I hope you are right because 2 times (what i can remember) i havnt gotten any money back

Quoted directly from Paypal e-mails. This is from 16th February 2006:
PayPal has concluded the investigation of your Buyer Complaint. As our User Agreement notes, we are unable to guarantee recovery.
Our investigation has revealed that the seller is at fault; as a result, you would be entitled to your share of any funds recovered, but unfortunately no funds were recovered. If this transaction occurred on an auction site, we encourage you to contact that auction site, as they may provide you with insurance coverage.
This one is from 6th April 2006:
After careful review, we have concluded our investigation of the Buyer
Complaint described below.
We have decided in your favor, however, we were unable to recover any funds
from the seller's account. As stated in the PayPal User Agreement, recovery
of funds associated with a Buyer Complaint cannot be guaranteed.
These are over 1 year old tho so i dont know if Paypal have changed anything, but i sure hope so.