Sounds like our story. We were moving some furniture for my in-laws when the U-haul trailer became unhitched and put a dent in his car. Since U-haul attached the trailer themselves, there was a settlement- for roughly $300. My ring came as soon as the check cleared. Unfortunately, the diamond fell out one day while I was hiking in the woods, never to be found again.
My hubby later got me one three times the size of the original. I never had the heart to tell him it stuck out too far. At the time, it kept scratching my daughter’s little arm when we would hold hands, and I reluctantly quit wearing it. I still rarely wear it, as I am not a fancy woman, and it doesn’t work with gardening, or scrubbing toilets or making meatloaf. But neither of us care much. We still love each other.
I lost my original stone picking up crabs on the beach :-/ and he replaced the stone.