I know it sucks and I understand not wanting to deal with it, but in your situation I would call the insurance company. Even if you have to psych yourself up to do it, it'll be nice to know and you won't have to worry about if money is going to be an issue or not.

If they pay? I would say it's probably best to go. Better safe than sorry, you know? If they don't? Well...it would probably still be helpful on some level, but ultimately that's up to you.

Good luck!