The Finger of Blame

I got a letter in the mail from my health insurance company yesterday. Apparently they want to be 502% positive that there isn't anyone else who can pay for the care of my ankle. I got a 2 1/2 page questionare about the causation, location and responsibility of my injury.

They want to know where it happened (podunk, northern NV)
How it happened (Um, I'm a clutz)
If I was in or around a motor vehicle (um, within 20 feet- but still not the car's fault)
If expenses due to accidental injury/accident? (Actual question) I put: yes, but who would injure themselves on purpose? That's a lame question. (Actual answer).
If the injury happened while I was working? (Well, I was carrying a kid- which is part of my job)
If if happened while playing college sports... (Yeah right!!)

Basically they don't want to pay for the injury if there is anyone else they can make do it. Lovely.