Post # 1
I am so distraught!!! My Precious is lost forever!!! this past sunday, I was at my great aunts house at a family BBQ and I got BBQ sauce all over my hands (I was eating ribs) and I took my engagement ring off and placed it on a napkin (so I could be fat and lick my hands and fingers before wiping them off) and for the life of me I cant remember how I forgot it there on the napkin but when I was done I just picked up all of my napkins and tossed them in the trash with my plate!!!! It wasnt until I got home later that night and realized it was gone!!! I am mortified!!! We got home so late that I called my aunt first thing in the morning thinking we could go back but when we pulled up of course the trash bags had already been put out on the sidewalk for the Monday morning trash collection and sanitation was coming down the street… there were 15 different black bags of trash and Fi tried talking to the workers but apparently they cant let us just openly go through trash on the street so I just stood there and cried!!! I have insurance on the ring but for some reason I feel scared to call them… Im embarrassed by my own stupidity… I am so sad… I feel like the insurance company will laugh at me I don’t know – should I just forgo getting another engagement ring as a punishment for my stupidity? Fiance thinks I should report the lost ring and get it replaced since we are in fact covered but I feel so ashamed at my irresponsibility
Post # 3
Call them! Things happen and you should be thankful you do have insurance. I work in insurance and I can tell you how many times people lose things due to their “stupidity.” thats what they’re there for. 🙂 dont be embarrased!
Post # 4
I’m so sorry 🙁 Listen, that’s what insurance is for. Use it 🙂
Post # 5
Don’t beat yourself up! I am having the same dilemma right now, I dropped mine in a lake a week ago today :'(. Call your insurance to see how much it might raise your policy costs and decide from there…
Post # 6
AWW! I’m so sorry 🙁
You should file the claim and don’t worry about what they think of you, they deal with this stuff all the time. I’m the same as you that I avoid things because I think people will be mad or judge me, but people are almost always nice and professional. That’s their job. IF you’re not ready to get another ring because of your loss, open an account and put the money into savings until you’re ready to decide what to do with it. I’d probably feel the way you do. I was brought up that if you lost or broke something you were supposed to take care of, too bad. But you were responsible – you got insurance in the first place.
Post # 7
I would say it depends on the insurance and the value of the ring. I would call the insurance company and see what it does cover and what happens in the event you do make a claim. Some insurances will make you pay a deductible, have exclusions or limits on jewelry, not cover all incidents or only be willing to replace “of-like” item. Id definitely find out more on the policy before filing though.
Post # 8
Oh no! 🙁 I’m so scared of doing something like that. Use the insurance and just be super careful about never taking it off – it’s easier to just clean the BBQ sauce after the fact. (note, I don’t say skip the BBQ 😉 )
We got a policy through state farm, and the agent was super-clear that it covers things just like this.
Post # 9
I’m so sorry 🙁
this is why you got the insurance! call them. do NOT tell them that you didn’t go through the bags to look for it. just say that you took it off and by the time you realized, it was too late.
in a way, that’s true (because the trash guys woudln’t let you go throug the bags so technically it was too late). I just feel like if the insruance company knew that you knew where the ring was but didn’t go through the bags, they would put the blame on you.
but yes– when you insure your ring, that should include loss (not just theft). so call them!
by the way, I believe you can just ask them about the claim and how much the deductible will be before you proceed with anything official. you don’t have to proceed with the claim if you think the cost is not worth it.
Post # 10
@atalante: thats exactly who I work for and we cover basically EVERYTHING.
Post # 11
Don’t feel bad about calling the insurance company to file a claim! That’s what it’s there for! My fiance basically told me that he put mine on the homeowners insurance because he’s sure that I’m going to lose it somewhere along the line…lol
Post # 12
Aw! Sorry that that happened to you! Don’t be embarrassed, this stuff happens, and that is what insurance is for! Trust me, if the situation were reversed (in some way) the insurance company wouldn’t feel bad trying to ding you for something!
Post # 13
I know this was first posted a while ago, but I used this forum when I lost my ring. So I wanted to post for those who maybe looking the same way I was.
I lost my ring and was absolutely devastated. Fortunately, I had a state farm personal articles policy. I had given them the appraisal at the time of insurance and paid the premuim (based on the appraisal value) so that I would not have a deductible if ever loss.
When I lost my ring I called the claims department. They sent the information from my apparaisal to their jewler and then after about a week their jewler gave us an appraisal based on the specs of the ring from the previous appraisal. This was substantially less than the value originally appraised at (a value for which I was paying the premium). Statefarm gave us the option of cashing out and recieving a check for the appraisal value from their jewler or using thier jewler to replace the ring. Ultimately we decided to cash out because we didnt want to go through a process of using a jewler we didnt trust. We were able to get a similar ring without a significant loss. At the end of the day, I dont think Statefarm made the process difficult and it was pretty fair. My advice is to make sure your ring is appraised accurately, because this will determine how much you will get back. It was a little annoying that I was paying a higher premium for a ring they valued at less, but there is no way to predict what their jewler will say.