I doubt it would ever come to that. I got hurt at work, but didn’t want to go the workman’s comp route because it doesn’t cover chiropractic care (it happened at 1AM and none are available then, hence not seeking immediate medical care waived them of liability; got care later that morning). Having my employer pay the hospital for x-rays, blood work, etc. and ER costs would have been rediculous when they couldn’t have helped me in the way that only chiropractors can. The whole bill was only $148 (which included consultation, x-rays, and vertebrae adjustments), which my medical will cover some of. I’ll admit though, the healthcare insurance industry has too many loopholes to get caught in.