Finally met up with cousin (my insurance agent). Passed her my bills from the fall and we both commiserate about age and vulnerability of being single.
In this case, my bills should be covered by a combination of travel insurance and personal accident insurance.
Also I will be increasing my personal accident coverage to be consistent with me cycling more (hence more liable to falling tragically off the bike).
Feeling really depressed now. Boo hoo hoo...
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