I'm so glad to hear you were not more severely injured ... although a fracture is nothing to sneeze at.

I am about the least jaded and cynical person I know ... I believe that people are basically good and that MOST will the do right thing given the opportunity. Having said that ...

Shortly after we were married my ex-husband was hit by a car while crossing the street on foot. The cops came, a report was written, my ex was taken to the ER ... fortunately nothing serious, but bad "contusion" on leg, lost a day of work, ER bills, ambulance bill, etc. The driver was a nice young man who didn't have insurance, he promised to pay everything .... they'd work it out ... yada yada yada. He didn't pay. More promises. Still didn't pay. My ex finally filed suit in small claims court. Nothing. We paid to have papers served. The guy showed in court and made more promises. Still nothing. Another court date. This time he didn't show. We finally had to just write the whole thing off 'cause Scott was having to take time off work to go to court, pay to have papers served, etc., etc. Don't know how much we finally ended up spending on the whole mess.

I know the nice young woman doesn't want it on her insurance. But there are reasons that these systems exist. And someone else made a great point when they said that you need to be covered in case there are longer term issues with your hand.

Guess I'm just saying ... I think people's intentions ARE good ... I also think that in spite of the best intentions, you could end up with the short end of the stick. So be careful and make sure you are covering your bases from a legal perspective. Don't mean to be a downer; just want to make sure you take care of yourself on ALL fronts.

Shelley
aka newbiechick