My 70-200 VRI fell out of my bag onto the cobblestones in Cesky Krumlov, Czech Republic. The manual focus ring is jammed, and at times it does not autofocus; this seems to occur at a specific focus distance that is not the focus distance limit, although I could easily be wrong about this. If I point at an object and it does not autofocus, I focus on another object and then back to the initial object it will, sometimes, autofocus.
I have Traveler's insurance, and I asked for world-wide coverage when I bought the policy, they now tell me that my policy only covers a loss in the USA, Canada, and Puerto Rico. They deceived me. Needless to say, I will seek another insurance company for coverage. Thus, I have no insurance money.
It needs repair; should I have it repaired it or is this a good reason to buy the VRII? I shoot with a D3s and a D3x, if that makes any difference.