I just purchased a policy about a month ago and have somehow lost my ring that I never take off. Absolutely devastated and kind of afraid of calling JM! Has anyone filed a claim with them before? what was the process like? My policy is for $4,000, will I be able to choose a jeweler and a ring for $4,000, or will they only pay like $2000 and I'll be stuck with the difference? So many questions, please help!