OT - thank goodness for insurance (w/pictures)

[Todd_H]

OT for a Friday morning-

While my wife was jogging a couple of days ago, she tripped and fell down on the sidewalk. She used her left hand to break her fall, so she got a little banged up on her wrist/hand and her left knee. She was only about a quarter of a mile from home so she picked herself up and kept on running. About half way home, her finger really started hurting badly, so she took a closer look at it and saw that the diamond in her engagement ring had been knocked out by the fall. She panicked, sprinted home and got in the car and drove back to where she fell down. After a few minutes of searching the ground on all fours, she found the diamond! How lucky is that?

I insured the ring when I bought it over 10 years ago and just let the policy lapse about a year and 1/2 ago. But I knew it wasn't a good idea to just let the ring fall under our homeowner's insurance coverage, so about 2 months ago I took out a new inland marine policy on my wife's jewelry and my camera gear. So, her ring is covered to get repaired (and would have been covered in case she couldn't find the diamond). Whew!

Here's the damage

 

[alan]

Nasty... but how lucky you had renewed the insurance!

Hope your wife was okay too!

regards,
/alan

 

[wenrob]

I have to say I thought I was going to open this up and see a smashed lens or mutilated camera.

That's a pretty hard fall to knock the diamond out of the setting like that. So glad she's okay and was able to find the diamond. I'm a huge believer in insurance, you just never know.

 

[mabas9395]

This would make an intersting poll. Lacking insurance, would it be more expensive to replace the wedding ring or camera gear in your marriage?

Even though I upgraded my wife's diamond about four years ago after she lost the original on a plane trip, I'm sure all my camera gear wins. But if we're talking a single camera item, her ring wins.

Which reminds me of two things. I still need to get a special policy on my camera gear and my anniversary is comming up.

 

[mabas9395]

Oops. Double post.

 

[WillCAD]

Am I the only one thinking, "Holy Cowsills! It's the Rock of Gibralter!"

 

[wenrob]

Am I the only one thinking, "Holy Cowsills! It's the Rock of Gibralter!"

Ha ha, I showed DH the pic of what the fall did to the ring and he said the same thing with this kind of wary, fearful look in his eyes. No worries for him, NAS has replaced my former need for bigger and better diamonds. He only needs to get that look when I show him the latest toy someone has.

 

[WDWFigment]

Looks like it worked out well for you (well, as well as it could given the circumstances...I'm sure you'd rather the event not transpire in the first place).

I better not show this to my fiancee--I am trying to convince her that we need to scale back on insurance. Whenever she reads things like this, she wants to insure more!

 

[fitzperry]

Ha ha, I showed DH the pic of what the fall did to the ring and he said the same thing with this kind of wary, fearful look in his eyes. No worries for him, NAS has replaced my former need for bigger and better diamonds. He only needs to get that look when I show him the latest toy someone has.

Funny how your priorities change, isn't it? My husband has, on occasion, mentioned things like anniversary bands, etc. Then he'll just look at me and say, "I guess you'd rather have camera gear, huh?" Truth be told, I'd rather have both.

Todd--glad your wife is ok and that she recovered the rock!

 

[MarkBarbieri]

This would make an intersting poll. Lacking insurance, would it be more expensive to replace the wedding ring or camera gear in your marriage?

Even though I upgraded my wife's diamond about four years ago after she lost the original on a plane trip, I'm sure all my camera gear wins. But if we're talking a single camera item, her ring wins.

Which reminds me of two things. I still need to get a special policy on my camera gear and my anniversary is comming up.

It's no contest here. I've got more money in lens caps than we do in wedding jewelry.

I never bought her an engagement ring. I gave her the choice of having me sell some shares in a mutual fund, pay capital gains taxes, and spend the money on a ring, or just keep the money invested (deferring the taxes). She preferred the idea of having more liquid financial assets rather than a little rock.

As for wedding rings, I think mine was $40 and hers was $30. She lost hers. Now she wears mine. I never wore it. I hate wearing jewelry.

Compare that with the lens caps for the main video camera, the wide angle adaptor for that video camera, my kid's video camera, six Canon lenses, two teleconverters, and a stack of extension tubes. I think that's 11 lens caps compared with a 16 year old $40 ring.

 

[Todd_H]

That's a pretty hard fall to knock the diamond out of the setting like that. So glad she's okay and was able to find the diamond. I'm a huge believer in insurance, you just never know.

She got a little banged up, but she's pretty tough. Matter of fact, she went and worked out this morning.

This would make an intersting poll. Lacking insurance, would it be more expensive to replace the wedding ring or camera gear in your marriage?

For me, it's camera gear by a nose... but I'm pretty young in my photography sickness... oops, I mean hobby .

Am I the only one thinking, "Holy Cowsills! It's the Rock of Gibralter!"

Macro lens + crop

I better not show this to my fiancee--I am trying to convince her that we need to scale back on insurance. Whenever she reads things like this, she wants to insure more!

That was exactly why I let my IM policy lapse the first time (trying to cut back on our coverage). Technically, the ring could have been covered under our homeowner's policy, but it's then subject to the deductible which is pretty high in our case. I absolutely hate everything insurance-related because it seems that every time I file a claim (which has actually only been 3 or 4 in my lifetime), I have to fight them tooth and nail. I've come to the conclusion that insurance is just a necessary evil and it's better to have it and not need it than to need it and not have it.

Todd--glad your wife is ok and that she recovered the rock!

Thanks! Me too!

 

[fitzperry]

I never bought her an engagement ring. I gave her the choice of having me sell some shares in a mutual fund, pay capital gains taxes, and spend the money on a ring, or just keep the money invested (deferring the taxes). She preferred the idea of having more liquid financial assets rather than a little rock.

You old romantic. Maybe if you'd offered her a BIG rock, things would've been different. I'm a practical woman, but there's just something about a nice, big diamond that's hard to resist.

 

[KarenAylwood]

You old romantic. Maybe if you'd offered her a BIG rock, things would've been different. I'm a practical woman, but there's just something about a nice, big diamond that's hard to resist.

Lmao I was thinking the same thing!

I'd have gone for option C (not mentioned): the big rock

To the OP- I can't believe she found it! That's amazing. Glad it all worked out for you both. This is making me want insurance on my camera... I keep putting it off...