A professional football player proposed marriage to a former beauty queen. She said no, but appears to have kept the engagement ring anyway. The football player wants the ring returned to him, and has filed a lawsuit. He also contacted his insurance company about the matter. Will the insurance cover the loss of the ring?
Roy Williams Jr., a professional football player who plays for the Dallas Cowboys, proposed to Brooke Daniels, a former beauty queen, who was the 2009 Miss Texas. The way he proposed marriage is distinctly non-traditional. He put together a package that contained an engagement ring, a taped message, (in which he asked her to marry him), $5,000 for “expenses”, and a few family gifts. Roy Williams Jr. then mailed this package to Brooke Daniels.
Brooke Daniels received this package, opened it, looked, (and listened), to all it contained, and made her decision. She said no. She was not interested in marrying the professional football player. Despite this, she kept the money that was inside this packaged proposal, and she also kept the engagement ring.
The proposal took place a little before Valentine’s Day in 2011. Roy Williams Jr. repeatedly asked Brooke Daniels to return the engagement ring to him, but she did not. Six weeks later, she said that she had lost the ring.
It seem to me that the football player didn’t simply take the former beauty queen at her word. He had the engagement ring insured through State Farm County Mutual Insurance Company of Texas, and they started an investigation into the loss claim. The insurer concluded that “the alleged mysterious disappearance of the engagement ring did not occur”.
Instead, the insurance company determined that the engagement ring is being held by Michael Daniels, the father of the former beauty queen. He is holding it while it is being determined if the ring was a gift, or if it was a conditional gift that could only be kept upon acceptance of the marriage proposal. I would assume that the lawsuit filed by Roy Williams Jr. will determine a solution to that particular puzzle.
One thing has been definitively decided, however. State Farm County Mutual Insurance Company of Texas says that this situation is not covered by the football player’s Personal Articles Policy. This could be due to the fact that the ring isn’t actually “lost”. The location of the ring is known: it is with the former beauty queen’s father.
Image by melgupta on Flickr