I am a PE teacher and the school district I work for is HUGE...6th largest in the country. The "workman's comp" insurance is what they refer to as "in-house"..or "self-insured". I have used this on two different occasions once when a large piece of equipment (a standard) fell on my foot and broke all my toes. This case was handled wonderfully (this was prior to the in-house insurance). All my days off were covered as well as my medical treatment. I had another case when I sprained my ankle on an uneven surface on the property. This was using the in-house coverage and I my sick leave was charged. I didn't have to pay any medical bills. Neither case ended in kind of monetary settlement becuase I was good as new when healed. Yesterday, I was hit in the head with soccer ball. My head was whipped back. Now I have a painful stiff neck and a huge bump on my head. The neck thing scares me. I filled out an incident report. I don't want my sick leave to be charged. My girlfriend suggested I contact a workman's compensation attorney. I wanted to mention it here first before doing so. CAN MY OWN PERSONAL SICK LEAVE BE CHARGED IF IT IS A WORKMAN'S COMP CASE? And advice would be appreciated. Thanks.