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@kerley
I got hit a few years back (in hosptial for 2 nights) smashed up finger which still doesn't bend more than 30 degrees (after 3 operations)
I was happy with the compensation I received but would rather have a fully working index finger back.
Why should my compensation have been less because I wasn't wearing a helmet? My head was totally unscathed.
EDIT - scrap that, just read AdamMs comment!