Millie - I wear my 3 wedding rings ALL the time. Sadly, my original engagement ring was damaged just the way you described here! My eldest daughter, who was about 2 if I recall, was twirling it on her index finger in the kitchen, as I had taken it off (as I always did) to do something. Anyway, she flung it off & it landed hard on the slate floor. It was invisible set princess cuts & the force made one diamond crack the one next to it. The insurance refused to pay to repair it, likening it to a tiled wall: you chip out one tile & the rest will fall. They stated it wasn't suitable for everyday wear & wrote it off
They let me keep it for sentimental reasons & I occasionally try it on. It looks great & you wouldn't know it was damaged, but one hard knock & those puppies are all free.
They paid out, Mr T doubled it & I have had my pear solitaire ever since. She went through 2 previous settings within the first year as kept popping out of the head. Crap workmanship. I had this setting custom made & if she had a little polish she would look as good as new. She's a tank!