So Nick has a bruised spine and some bruised ribs. Try to imagine how that feels day to day. And *by law*, he can get no compensation whatsoever for the first 7 days of lost wages. And *by law* he must use up all of my physiotherapy coverage before our auto insurance rider will take over. Since he has a bum knee, we can pretty much forget about treating that this year.
Ok ... so this simply sucks .... *by law* ...