Chipped my diamond! What would you do?

posted 3 years ago in Rings
  • poll: If you had to get a new ring what would you get?
    Same ring that you were proposed to with : (13 votes)
    34 %
    Completely new ring : (25 votes)
    66 %
  • Post # 3
    Member
    11379 posts
    Sugar Beekeeper
    • Wedding: April 2012

    @SnowInApril:  i think the two of you should go ring shopping together and pick something out that you both love.  try on lots of different shapes and styles to see what really pops on your hand.  keep us updated.  i cannot wait to see what you get.

    Post # 4
    Member
    2878 posts
    Sugar bee
    • Wedding: August 2013

    Ohh thats a tough one.  Which look do you actually prefer?

    Post # 6
    Member
    5445 posts
    Bee Keeper

    Well do you have any “dream rings?” For example, some people get a large anniversary band or eternity ring at some anniversary and wear it alone minus the ering/wband combo. You could do something like that. A blingy standalone band? 

    If you’re not into anything other than a traditional ering, I would say just go try on tons of rings and pick something together. My mom lost her diamond when I was younger, and she just had it replaced rather than getting something new. But either option would be good!

    Post # 8
    Member
    6407 posts
    Bee Keeper

    I think you probably want to improve clarity if the diamond chipped. Was the girdle very thin? You might want a thicker girdle, too, for a princess cut.

    Post # 9
    Member
    5445 posts
    Bee Keeper

    @SnowInApril:  that I don’t know. Maybe you want to get a check for the ring and then buy whatever? 

    If you love eternity rings, you could do a larger eternity ring with a plain band and still have a “set.”

    Post # 11
    Member
    6407 posts
    Bee Keeper

    @SnowInApril:  hmm. That clarity and girdle should have been ok. Yes, they do chip more because of their pointed corners, but if they have the v-shaped prongs that cover those corners, they’re usually ok.

    You’re probably right in going with a different jeweler, and maybe you’d prefer to avoid that cut. There are radiants with clipped corners, those are somewhat similar.

    Post # 13
    Member
    1116 posts
    Bumble bee
    • Wedding: November 2013

    The one thing I would recommend would be to NOT pocket the cash and spend it on something other than a ring. A lot of insurance polices cover to have the item replaced, not to allow you to get some cash. Some policies may contain clauses that if you don’t actually replace the item lost that you’re not entitled to any settlment. This is often done with replacement value policies rather than actual cash value policies, otherwise it would allow you to profit from the loss, when the purpose of insurance is to get you to the same place you were immediately before the loss. It’s rare that an insurance company will ‘go after you’ if they find out you just pocketed the settlment and didn’t replace the ring, but it can happen. Usually though an insurance company won’t cover any cost until they have a receipt showing the cost of the replacement item. I’d talk to your insurance agent just to make sure you’re on the right side of their policies before deciding 100% what to do. A jeweler is not an insurance professional and may not understand how things like that work…..

    Post # 15
    Member
    1116 posts
    Bumble bee
    • Wedding: November 2013

    @SnowInApril:  I just wanted to make sure! I’m in insurance and read of a case recently of a person making a claim for furniture lost in an apartment fire. They “claimed” that they were going to replace it all with new, so got a pretty big settlment, but actually bought all second hand furniture or got free cast offs from friends and the insurance company ended up suing them! I’d hate to see someone put in that situation, and a lot of people don’t read the “fine print”. I know the rider for my ring specifically says that while the ring is insured for up to the appraised value that they will only actually cover the cost of the replacement ring. 

    Oh and as for premiums going up, that generally won’t happen after one claim, and you’ll go back to claims free, but it may be worth asking your insurer what their claims risk management procedure is. It might be worth it to get an upgrade if you can or want to!

    And NEVER feel guilty for making a claim. You’re paying for insurance hoping to never have to use it, but it is there for you to use. You’re paying the insurance company to pay for things like this!!

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