Also, in a similar vein, I find that when I am an honest person, I lose. Case in point: a couple of years ago, our garage door fell off (narrowly missing the cars). My lovely husband called the insurance company, who told us without a trace of irony that it would have been covered had we backed into it, but just FALLING OFF was not. When he hung up, I told him to go back up the Jeep and call back.

Good luck with the physio - I will pray to the Goddess of Non-Steroidal Anti-Inflammatories for you. She and I go way back.