Very important PSA - Insuring your ring

Ok, long story short, I lost my engagement ring. So I did what any girl would do - I called the insurance company. What they have put me through in the last few months is unforgivable & I just want to give you girls a heads up in case you ever (GOD FORBID) lose your ring.

First off, we are not dealing with some tiny shop, this is Met Life. Keep in mind, THEY INSURED THE RING and I paid my insurance on it. Ok so here are some of the documents they demanded to see:
- My tax returns for the last 4 years
- My bank statements for the past 12 months
- permission to pull my credit
- the appraisal
- police report
- canceled checks/credit card statements showing the purchase of the ring
- original sales receipt for the ring
- proof of the source of funds used to buy the ring
- pictures of me wearing the ring
- a list of people at my bridal shower with their names & numbers
- a copy of DH's bank statements for the past 12 months
- My phone records for the past 6 months
- the names, address and phone numbers of just about everyone I know (my friends, parents & co-workers)
- the proofs from my wedding & my photographer's phone number
- a receipt for the cost of the wedding & proof of who paid for it & where the funds came from
- the HUD statement from the sale of my condo
- a list of any debts I have over $250
- a list of all people who have been in my house in the past year

I GAVE THEM ALL OF THAT and more.

Then they sent a 'Special Investigator' to my home to 'help me look for the ring.' That meant having some guy come to my house, insult me & HOVER over me as I went through all my drawers & showed him the ring was not there. This includes my underwear drawer. I'm not kidding. He also interrogated me for 1 hour & tape recorded it.

ok so then they said they needed me to give another statement 'under oath.' We now hire a lawyer. I went & gave my f*cking statement yesterday & they asked me sh!t like 'do you & your husband sleep in the same bed?' Um, WHAT does that have to do with my ring????? And how is that your business?

They have now completely humiliated me. They have called my family, friends & my work asking people if I am in financial trouble.

Now mind you, DH does very well. He is President of his own company & I work in Private Equity. We do not live in a bad neighborhood and we show no signs of difficulty with our finances. We are not billionaires but we live a very comfortable life. It is NOT A CRIME for me to have had a nice ring. But they are making me out to be a thief and a fraud to the point I have cried several times. I don't know if they think I sold it or if it didn't exist but they are being SO MEAN to me. I actually had to SAY to the 'Special Investigator' (aka retired cop with an attitude problem) 'can you please stop staring at me like that. You are trying to intimidate me & its uncalled for.' He was LEERING at me during the questioning. My lawyer also had to tell them to stop trying to bully me.

We have now been RAKED over the coals to the point that I just want to quit this fight, which is probably what they are hoping for. They obviously do not want to pay the claim. I would give ANYTHING to have that ring back. It meant the world to me!!!!

So just a heads up - if you EVER lose your ring, call a lawyer RIGHT AWAY. Do not even bother with the insurance company because they just want to F*CK YOU. Meanwhile, I'll be over here crying my eyes out.



(Apologies to anyone nice who works in insurance)

SO IMPORTANT I almost forgot to add that the insurance company also did something SO SLEEZY - they called DH's sister (who we don't get along with....) She told them she doesn't talk to us anymore& they said 'if you help us prove fraud, we'll give you & your family free car insurance.' She told MIL, who told us. HOW F*CKING DISGUSTING IS THAT?????

Re: Very important PSA - Insuring your ring

Oh my god. First, I'm so sorry that you lost your ring and that the insurance co. is putting you through this. It's awful and I feel terrible for you. Second, is this normal???? I've never known anyone that lost it so maybe it's just Met Life...? Not that it excused their behavior or makes up for what you're going through, I'm just wondering if this is standard procedure. What did your lawyer say? Were they appalled as well?

Re: Very important PSA - Insuring your ring

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Posted by missliss
What did your lawyer say? Were they appalled as well?

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He says they see this all the time. And at the law office I went to for my statement, I passed 3 conference rooms with people being interrogated & taped just like me. Apparently there are law firms who all they do is represent insurance companies in matters like this

Re: Very important PSA - Insuring your ring

I am so sorry, that you have to go thru this....Boo Insruance companies!!!!!!!

I guess we can thank the stupid posers- who lie and commit fraud!

Just a quick note, you daughter is getting so big!!! She is beautiful!!!! You are going to have your hands full Mommy!!!! I love your avatar picture!

Re: Very important PSA - Insuring your ring

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Posted by carolinebr

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Posted by missliss
What did your lawyer say? Were they appalled as well?

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He says they see this all the time. And at the law office I went to for my statement, I passed 3 conference rooms with people being interrogated & taped just like me. Apparently there are law firms who all they do is represent insurance companies in matters like this

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That sounds awful. I hope everything works out for you.

Re: Very important PSA - Insuring your ring

i am so sorry you had to go through all of that!!

I dont know how much your ring cost ( not that it matters ) but it sounds like they are spending MORE money on this 'investigation' then they would if they just gave you the money for the ring!!

it is so true that fraud effects everyone!! people who commit any type of insurance fraud think it is a victimless crime but there IS a trickle down effect and innocent people become victims!!

i am so sorry and i hope, in the end, you get what you are due!!

Re: Very important PSA - Insuring your ring

Ok I havent insured my ring yet..and i dont know if I want to anymore!!! Omg thats horrible

Re: Very important PSA - Insuring your ring

Oh my gosh! That is terrible! I was reading the list of things you had to give them, and there is a lot of it I don't even have! My FH paid for the ring in cash -- guess I should at least make sure he has a receipt!

That is just horrible. I am so terribly sorry you are going through this. Please let us know how it turns out.

Re: Very important PSA - Insuring your ring

That sounds horrendous!! So sorry. I hope you everything works out.

Re: Very important PSA - Insuring your ring

Im sorry you had to deal with that.

Terrible!!!

My company would never handled it that way.

Re: Very important PSA - Insuring your ring

i am soooo sorry you are going through this!
your ring was SO beautiful... i remember it!

i hope everything works out for you... you definitely should not have been treated that way!!!

Re: Very important PSA - Insuring your ring

That stinks that you lost your ring and yes they want you to quit or think it is too much work!!! I hope you get what you are owed, for everything that you have been thru!! This is scary seeing as FH was supposed to run around doing all this stuff today to insure the ring!

Re: Very important PSA - Insuring your ring

I'm so very sorry you are being treated that way, it's just inexcusable and rather excessive....that list is just out of control!! I hope they do right by you in the end.

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I can not beleive how horrible that is! I can't imagine what they need all that for and what a horrible thing to put you through!

Re: Very important PSA - Insuring your ring

I'm so sorry you have to go through this!!!! I hope everything works out!!!

Re: Very important PSA - Insuring your ring

I am soooooooooo very sorry! This is ridiculous!!!! I have my ring insured with Jewlers Mutual and hope they handle claims better than Metlife. I hope it all works out for you.

Re: Very important PSA - Insuring your ring

omg that's terrible! chubb is awesome with that stuff! you should check out their policy. i went through the home insurance...they are known to be pricey but well worth it!

Re: Very important PSA - Insuring your ring

oh my god.. im so sorry you have to deal with this.. it's horrible..

Re: Very important PSA - Insuring your ring

That's the insurance game and you have to play it. It's such b.s. I'm so sorry you are dealing with that. DO NOT GIVE UP THE FIGHT. Screw them! Let them keep paying for all their investigators and staff that has to do all this work so you can get your money back. They'll end up paying out double then. That's crazy! Good luck and keep us posted!

Re: Very important PSA - Insuring your ring

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Posted by jboothin2008

My FH paid for the ring in cash -- guess I should at least make sure he has a receipt!

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Not to scare you, but that's kind of our issue.

It was a big ring (3+ carat round solitaire - pics in my album) and he paid cash. So they are asking lot of questions about why it was paid in cash, WHICH by the way, IS LEGAL TENDER!!!!! Its all so upsetting.