OK - it seems there has been a misunderstanding here. You don't just get $3,000 worth of reimbursement. That is the maximum you will get under the law if your bag is never recovered.
I know that on the cruise ships you have to wear formal wear for those dinners/ dances, and I know that the clothes aren't cheap, but $1,800? I've dealt with a WHOLE lot of passengers going on cruise ships, having to purchase formal wear (having worked in a Florida city) and I never had a single one come out to anywhere near that close. Sorry, but it sounds like you went for the most expensive stuff since you were expecting Spirt to pay for it. Also considering that those cruises normally only have two formal dinners.
I hate to break it to you, but you are not going to get that kind of reimbursement form Spirit. The do owe you something, but you're probably not going to see $1,800.
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