While out shopping today, Patrick and I stopped into Jared The Galleria of Jewelry (TM) to have my wedding band and engagement ring cleaned and inspected. The technician discovered that one of the small diamonds in my wedding band was severely chipped and needed to be replaced. Luckily, we got the super extended lifetime service plan, which means we could drop it into the garbage disposal and they would restore the mangled remains to pristine perfection.
Let me tell you- ALWAYS get the insurance/lifetime service plan, especially if you are clumsy like me and prone to slamming your hands into walls/floors/other people. It's worth it in the end.