The "forgiven" billions that the coal companies owe has left a bad taste in my mouth concerning comp. The only time a member of my family needed to utilize comp, their "doctor" claimed it was a previous injury and my wife was turned down. We had to pay for the surgery for the hernia she received at work.
My buddy gets hounded and threatened for the couple hundred he finds himself owing from time to time, but the coal companies DON'T pay, and quite frankly, don't have to by some unwritten exception to the law.
You'd be better off spending that $200 on some reputable accident insurance, atleast they don't have prostitutional doctors whose job is to turn down all claims.