I posted here a couple months ago after i lost one of my diamond earrings. they were 3.25 cts. I have state farm insurance. we made the claim after looking for about almost a week. i just really didn''t want to make that call to them. Anyway, i asked right off if we had the ''pairs'' clause included in our policy. my husband was the one who insured them after purchasing so i was not there. the claim rep told me that we did not have it after pausing for a moment. so, we went about replacing the one. they told me that i had to go to one of their jewelers and to pick one while i was on the phone that day. so, i did without knowing who i was choosing. she just gave me the names of about 10 while i was on the phone and i had to pick one. i did, but spoke with my jeweler who sold them to us. they are not lab graded. i know that alot of people don''t like that, but we trust him and i know how my diamonds look under an asset that i have from him. anyway, thats not the issue here. since they are not lab graded, i did prefer to have him find me a replacement. so, i contacted state farm and in turn he started the process to be a ''state farm'' approved vendor. all is good again at this point and i''m grateful to state farm for working with me. my jeweler called me the other day, he had two diamonds in for me to look at and choose from. i did not ask the price of these, but i can see already how beautiful they are. my original earrings were 1.6 ct each approx., SI2''s, and G-H. Even though SI2''s, they were eye clean. I had to buy a 10x handheld loupe to see anything. One had a feather under the table that somehow was not visible face up, and the other one has some carbon spots when looking at it from the side that you can see with the loupe. they were always pretty earrings. the ones he got in are a VVS1 and a VS1(I believe), not for sure if i remember on the second one. anyway, i did not choose the VVS1 because i liked the way the lower clarity one sparkled better. when holding each of them up on the side of my one mounted earring that he has there, they really do both look acceptable, but not perfect in my eyes. i am just probably being overly picky, and i my mind i know that one is being replaced and not the same ''set''. i know that diamonds don''t come in sets and have to be matched, but its just me being me. anyway, i got a call from state farm telling me that they could either send me the check for $9900 or deal with the jeweler, but since he''s not really on the approved vendors list yet that they would rather just mail me the check. i agreed. while we were talking though, i asked him again if he''s positive that we didn''t have the pairs coverage. nobody really seemed to know for sure at first, even at my agents office. he was real nice and told me no i did not have it. he then told me that i could speak with my agent and add it on for in case next time. yeah right, how many people lose a diamond more than once? how many times will an insurance company insure you after claims made? so, that was that. later that same day by coincidence, i got a call from my agents office about another matter. we have everything with state farm. they automatically take over $1000 month out of my checking for my policies. while we were on the phone i mentioned to her that we had just settled on the earring claim a few hours earlier. she said oh good, you do know that i found the papers on you jewelery insurance and you do have the pairs. I freaked out! she told me to calm down and that she was going to take care of it and call me back. that was yesterday, i got a message on my machine later yesterday afternoon from her telling me that she wanted to let me know that she had put in two calls to the claims agent but had not heard back yet. its late afternoon here now and i still have not heard anything yet. i''m sure there is some ''c**p" going on. i am just really pissed that they tried to get over on me. now, she did say that they turned in the original paperwork with the pairs added on, but that they must have maybe not included it in my policy at the main office. i told her that was their mess and they should honor it. she agreed and told me that they may want me to make up the difference in the policy cost up to date that i must have not been paying. this kind of makes sense now in retrospect by the way that there was always a pause after i asked the question if i had it. and, now that i think about it, the way that they made the acception to let my jeweler handle this. and, my jeweler took maybe longer than usual getting some stones in and not to mention with the extra time it took to get the OK to let him handle it, state farm seemed to be very eager to settle this claim. they made a few calls and even put a higher up claims agent in to finish this case.
im wondering what i should make of this? i would like opinions from people other than myself on what i should do. do i keep pressing them now? should i expect them to honor the pairs coverage? i really would feel better starting out with a new pair that have been matched together instead of trying to get in stones and try to match to the one in my jewelers shop. it just seems like he could order in new ones with the same specs and do better. better yet, do i insist that he order a new pair with a grading cert this time? this i will probably do for sure if they honor this coverage that i was supposed to have.
im wondering what i should make of this? i would like opinions from people other than myself on what i should do. do i keep pressing them now? should i expect them to honor the pairs coverage? i really would feel better starting out with a new pair that have been matched together instead of trying to get in stones and try to match to the one in my jewelers shop. it just seems like he could order in new ones with the same specs and do better. better yet, do i insist that he order a new pair with a grading cert this time? this i will probably do for sure if they honor this coverage that i was supposed to have.
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