A few months ago, I was rollerblading with some friends, when I hit a bit of gravel that was in the middle of the sidewalk.  I landed on my hands first, and then hit my face.  I had a large piece of gravel that was stuck in my cheek, and it was bleeding a lot.  When the ambulance came, I rode to the hospital with them, and I just kept thinking how relieved I was that I had invested in some cheap health insurance the month before.  Thinking about money at a time like that can make any bad experience even worse.

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