Sadly, it's not the result of a car accident or a specific injury - it's a problem that's been slowly building as the result of chronic repetitive stress. So no injury claim, and I think that rules out worker's comp (though if it doesn't, I'd love to know). And treatment/recovery is surgery and 4-6 weeks of restricted activity; if I'm still feeling like this in a year I'll just kill myself rather than live in this fashion.

Umbran has already emailed his employer to see if his insurance happens to include me, and, if not, whether I can be added - thank you for the corroboration that that might work....