Here's what happened. My son is riding his skateboard on the sidewalk and one of the wheels just falls off the thing. He flops down on his head without wearing a helmet and needs to get 14 stitches. Thankfully he seems OK other than the stitches, no concussion or any lasting damages. So I did some research before finding this site and that sounds like a products liability case. The way I understand that is when someone is injured because of a defective product that means you can sue the company that made the thing, right? We had a $500 emergency room bill that our insurance did not pay, because of deductible or something other excuse. Any thoughts?