Ringless: Update

I have to admit that I was extremely pessimistic about getting my ring replaced.  I'm naturally pessimistic, and sometimes I'm grateful for it.  I'm not surprised when I don't find things or don't get the free seat on the airplane back to America (yes, that happened this week too.  It's been stellar).

I should have this mug!  http://www.yankodesign.com/2007/05/03/the-pessimists-mug-by-despair-studio/

So when I went to file an insurance claim, I was almost positive (ha) that they weren't going to refund us for it.  I was pretty dang sure they were just gonna call me an idiot and trash the claim.    The first e-mail I got confirmed this fear:  the claims adjuster said she was sorry that it happened, and then sent me a barrage of questions that I was sure would label me as negligent.  Specifically, question #3: Was this in a safe location that was locked?  Ahhhhh!  Who carries something to lock up their valuables on the go?  If I was at the gym, sure, but the base gym won't let us skate there.  We skate in an aircraft hangar.  Luckily, I have a friend here who is a Judge Advocate (that's Air Force speak for lawyer).  I sent her the questions and asked her advice for answering them.  She quickly replied that I should definitely not lie, but that it'd be alright to kinda adjust my answers.  For example, instead of just answering question #3 "no," she suggested I write "It was in a closed aircraft hangar, inside a secured facility."  NEVER would've thought to say that on my own.  So I answered the adjuster's questions, attached my receipts, and had the base cops help me write up an incident statement.  My lawyer friend had assured me that insurance companies usually pay out for simple negligence, so I was feeling pretty good when I hit the send button.  I wasn't disappointed...a few days ago I got an e-mail that said they couldn't replace the ring, but were giving us a check for a few less dollars than what J paid for the ring.  Winning!  It doesn't replace my ring, but I guess at least my finger won't feel so naked in a few weeks.  The point of this story?  The money you pay to insure your ring is WORTH IT!!!  DO IT!!!

Is your ring insured?  Why/why not?