gee, cyber, I told you to turn the ring around on my post?

Btilke, my first time to Europe I wore a family heirloom and took it off before bed and forgot it to put it on. Since that so many years ago, I never wear anything expensive or simply sentimental, like a tin lavender dragonfly a child gave me knowing IO loved those beautiful flying colors.

Re LoveItaly, I wouldn't be at all surprised if you found that stones "falling" out was a little bit of a false claim, but I suppose there's never any real way of telling now it's all in the past.

Cigalechanta, I'm sorry! You did mention first! Great minds, I guess...
I lost a family heirloom when I was about 14 (too young to have it, I guess), so I feel the same way about it--I'd never bring anything that was irreplaceable either.
I wondered if the insurance company would believe me, but the stone really did fall out and no one would want to go around in a diamond band with one out (for one thing, it kept catching on everything!) but I still had to wear it, as my finger was the safest place for it!

Hi m_kingdom2, interesting comment from you as yes, some clients did file "false claims". We usually picked up on it and notified the insurance company. And of course the fraud section would do a complete investigation.

But to my knowledge and memory no woman that had a "missing stone" reported a false claim. In fact I had several in my office in tears as often the missing stone was the diamond from their engagement ring.

The claims I "loved", going along with your thoughts were insureds that either had a fire or burglary at their home, houses that were in the low income neighborhoods, yet they tried to put in claims for very expensive items, more expensive then clients would report that lived in upscale neighborhoods. Insurance fraud is one of the reasons that we all pay higher insurance premiums then necessary. Just like shoplifters and employee theft causes items that we buy to cost more then they should. Take care.