I do hope your finger is feeling better and that you're able to fill out an accident report and possibly get worker's comp.

I also have had a workplace injury, although my experience was different. I would have been required to fill out an accident report whether I wanted to or not (it's policy) and I remember having to do it right after being released from the ER (not so fun ) Actually, I think I was doing paperwork while in the ER or at least helping with it. But it did end up creating a positive change for everyone (the conditions are safer).

My job is for the city and it really shouldn't be a dangerous job, but I do drive a large vehicle and other drivers are apparently pretty dangerous. It's our policy that we must stop at railroad crossings and I turned on my hazards and slowly stopped for one out in the rural area on the outskirts of the city and the guy behind was clearly not paying attention at all. He had to have been going 50 or more because he severed the hydraulic line of the lift on the back of my vehicle. I also had my window down. I did not hear brakes. Also, the city had not thought it necessary to put "This vehicle stops at all railroad crossings" on the back of the vehicles until then. The guy in the car (who was able to just get out of the car and walk up to the window of mine said he didn't know I was going to stop. The city has since started adding signs to all their vehicles.

Unfortunately, I also had clients in the vehicle as well, but fortunately they were more ok than me. We all ended up having to go to the ER, a couple of us needing neck X-Rays. I just had a pretty bad case of whiplash, but I still needed 2-3 months of chiropractor visits which as far as I know will be covered by the other guy's insurance or the city (worker's comp). Same with the ambulance and ER bills. It was ruled almost immediately that it was the other guy's fault which helps my case to not owe anything for my medical bills.

I also (luckily) was given the option to opt out of the rest of the driving part of my job that week (necessary really given I was on muscle relaxers which would make driving dangerous for me and the clients) and they brought in one of our subs to just do the driving. I still did the rest of my job. I've since gone back to driving and it all seemed to work out in the end.

I don't know if that helps...a city government might be better than a corporation at handling these things, but I could be wrong.