Wow! Now THAT's an injury!
Hopefully she makes a quick recovery Kev, at least she wasn't in too much pain.
Ambo insurance, like any other insurance I guess, is invaluable, you'll never know when/if you need it. I can't remember how much mine costs, but mum & dad cover it each year for me as a birthday present. Sounds kind of weird, but it beats getting some weird CD I'll never listen to, or a really bad t-shirt that's like a moderate knockoff of a popular quote. The worst one to date has been: "BEER... helping men dance since 1962!" Oh yes! I'm SO wearing that to the local pub! What's that? I'm being set upon by a bunch of guys who think I'm wearing a homo shirt? Hmm, it's a good thing I've got ambo insurance since I'm about to be hospitalised...
Hopefully your hip pocket isn't ravaged too much Kev

All the best
-Dave-