My husband has insurance when he plays soccer, if he gets hurt that type of insurance pays for it. (which he has been hurt God, can't count how many times) We don't pay a deductible for that insurance. We also have insurance when we go on vacation if someone gets hurt. We have insurance if my son brakes something or we do at someones home. Life insurance, Retirement, etc. etc. Hmm... You name it we got it. Check what kind of insurance you got. I never knew we had all these til 4months ago, and I have been here almost 4yrs. Yea, my husband is a "Insurance Freak". As posted before your company can pay for the doctor bill too even though it happened outside of work. You should ask. Always know what kind of insurance you have, it always helps. As I always say "Sh*t happens" Nice when your insurance can pay when it happens