I hope this post can help others avoid what I did.....read on and weep.
I was out shooting at a state fair and needed to change lenses; but even though there was a table not 2 feet away, I decided to make the switch using only the camera bag on my shoulder as the platform. Big mistake.
Midway through the switch, the bag unexpectedly flipped over, dumping my 24-70 onto a concrete floor. Though the drop was less than 3 feet the zoom and focus rings were jammed. I sent it to Nikon El Segundo and just received the estimate: to fix the jammed rings, a chipped front element, and dented barrel: $704.
I realize now I would have been better off financially to own a second body so I wouldn't have to change lenses. Or if I had been smarter and put my camera bag on the ground before I started fiddling around.
Thanks for listening guys...I feel much better now that I've shared my story with the one group that can really feel my pain.