Do you absolutely have to sell them? Why not take them to a jeweler and have him/her use the stones to make yourself an awesome set of earrings or a nice bracelet.
ETA: Before I get flamed, I was not seriously suggesting she commit insurance fraud. It was a humorous thought, and while we all wish we could skirt around the rules, I personally would not do such a thing nor would I seriously condone this behavior. Thanks and have a nice day.
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