I just got engaged and my finance and I went to his parent for the weekend to jet ski. We had an accident and both of us where thrown of the jet ski. During the accident somehow my engagement ring came off. Never to be found again, somewhere at the bottom of the river. I'm devastated and don't know what to do we're getting married in less than a week and can't afford to purchase another ring. Is there any policy with my insurance ageny that will cover this sort of accident.