I'm with Q. Even when Mom fell and broke her leg at a local establishment that was obviously negligent, the insurance paid..... they were reimbursed by the company eventually. Both times Mom fell recently, breaking her arm and spraining her neck, they didn't even question the bills.

It may have to do with your location and the insurance regulations there. Your state probably has an insurance commissioner or the equivalent. I would definitely call the office and see what they can tell you about your state.

I do hope your daughter does well tomorrow and is home recovering quickly. I will say a special prayer for her tomorrow and keep you both in my thoughts and prayers in the upcoming days.