I lost my ring

[alli_esq]

I am still reeling. I lost my beloved engagement ring in a cab last night...and I am getting married in 5 weeks.

PSA: If you lose weight, please please please get your ring re-sized to accommodate your smaller finger. I am so tragically sad about this loss.

I am going to need PS help to find another diamond that is comparable. I am concerned that the insurance money (yes, the one thing I did right was have my ring insured) will be less than what my dear FI paid for the ring.

Has anyone here had experience with losing a ring and getting insurance money to cover the loss? Is it best to go to a place like the diamond district, or to a more reputable place like Solomon Brothers to get an appraisal of the lost ring for insurance purposes?

Any help or support would be so greatly appreciated...

 

[junebug17]

Oh no, this is the third story of a lost ring on PS, all in the last two days, how awful!! Did you contact the cab company? I would try to track down the actual cab and search it if possible. Are you sure you lost it in the cab? You should check all the places you went to that evening. I think it is worth a try. I am so, so sorry this has happened to you. I would also check the police station in the area, you never know.

I don't have any advice on the insurance, don't know much about it, but plenty of other PS'ers do. Isn't the ring initially appraised when you get the insurance? Anyway, just wanted to offer some sympathy and a big ((hug)).

 

[ct-appr]

Questions You Should Ask Your Insurance Agent (from the American Gem Society)

•Is an appraisal necessary for full coverage?
•Will I have an easier time and more equitable replacement if the appraisal has been preformed by an American Gem Society jeweler?
•What is the difference between scheduled and non-scheduled cov¬erage?
•Is there a deductible? If so, how much? May I ask for a larger deductible for a premium savings?
•Is my policy all-risk (covering damage, robbery, mysterious disap¬pearance, etc.)?
•Am I still covered if there is negligence or carelessness involved?
•Is it covered if lost, stolen or damaged while in someone else's pos¬session?
•What if only a part is lost, e.g., diamond out of ring?
•If there is a loss, do I have a choice of cash or replacement?
•Can I go to whomever I choose for the replacement or repair?
•If a loss has been replaced or repaired through an insurance company source, will I be allowed to verify proper replacement by a reputable firm?
•If I ask for a cash settlement, will I get the full amount?
•Is there a difference in limitation between jewelry and silverware?
•Are their any geographical limitations to my coverage, outside my home or business, internationally?
•How much will it cost per thousand for full coverage? Partial? What do I sacrifice for the limitation?
•Is depreciation ever imposed?
•How often should I have an appraisal update?
•Am I limited to appraised replacement cost should there be a size¬able increase in the value of my jewelry?
•If there is damage to a piece, can I replace it or must I be limited to repair? If adjustment is limited to repair, am I renumerated for the loss of value?
•What if the lost item is irreplaceable?
•Are there any security precautions required? If not, would it affect the premium if there was?
•What proof is needed to justify a claim?
•What kinds of jewelry insurance are available?
•Are there any exclusions?
•What is the "pair & set" clause?
•What types of property are not covered?

I hope this is helpful.

 

[beaujolais]

Awwwwwwwwwww . . .

So very sorry. I guess you called the cab company and all? Are you sure you lost it in the cab? Maybe, I so very hope, that it is elsewhere (fell into your purse, coat pocket, etc.) If it helps any, the few items I''ve *lost* have usually turned up.

Congrats on you upcoming wedding, though.

Big hugs to you.

 

[D&T]

man Sorry Alli this has happened.

I do hope your insurance will be able to reimburse you for what was actually paid at least.

 

[LGK]

Thanks for the PSA- I definitely need to do that. I dropped about two finger sizes and lost my ring last week- luckily it was sitting on the livingroom floor almost hiding under the couch, but still. I went home from work in a huge panic and DH & I tore the house apart for about an hour before almost stepping on it.

I''m so incredibly sorry to hear your ring disappeared

. Thank god you had insurance. I hope you have no trouble getting full coverage out of them; if you have an appraisal that''s pretty detailed, I suspect you have what you need.

And now, I''m going to go call my jeweler