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?????