Wholovesskunks
Shiny_Rock
- Joined
- May 18, 2017
- Messages
- 169
Long story short- I lost my original ER and through insurance I am approved for a 2 carat, J-I1 round brilliant with a halo up to $8500. I fell in love with a stone and setting that is completely different from my original stone (It's an emerald in a solitaire setting- I always have loved emeralds- I used to wear emerald cut gemstones exclusively before marriage) that has a retail of $8500. Through B2C jewels, Jewelers Mutual does not have an arrangement with them so they would pay retail price of a 2 carat J/I1 + halo setting asked by B2C up to the $8500 limit.
Because the new stone and setting is so different from my original ring they will not allow me to go that route- I HAVE to pick what I was insured for that is similar as it is REPLACEMENT only. They are being serious sticklers on this. Even though they will pay B2C $8500 regardless of whether I get the replacement that's almost identical stats wise to my original stone or the completely different stone and setting I really found and love.
So here's my question- B2C has a 30 day return policy. Let's say I agree to a stone that is a 2 carat, J/I1 and they pay B2C $8500. But I don't like it. So I want to send it back and exchange it. Is the relationship over with JM once they've paid B2C in full and the original replacement is sent? Can I return it and use the $8500 towards the stone and setting I really want and just pay the bit of difference?
Is this considered unethical? I'm not asking for more than they would pay I just really fell in love with this completely different stone and setting.
Because the new stone and setting is so different from my original ring they will not allow me to go that route- I HAVE to pick what I was insured for that is similar as it is REPLACEMENT only. They are being serious sticklers on this. Even though they will pay B2C $8500 regardless of whether I get the replacement that's almost identical stats wise to my original stone or the completely different stone and setting I really found and love.
So here's my question- B2C has a 30 day return policy. Let's say I agree to a stone that is a 2 carat, J/I1 and they pay B2C $8500. But I don't like it. So I want to send it back and exchange it. Is the relationship over with JM once they've paid B2C in full and the original replacement is sent? Can I return it and use the $8500 towards the stone and setting I really want and just pay the bit of difference?
Is this considered unethical? I'm not asking for more than they would pay I just really fell in love with this completely different stone and setting.