If it makes you feel any better, my best friend just had a MRI, and found out that he tore cartilage and his ACL, he is having surgery Friday. He did it in a parking garage skateboarding, we also surf like every day, and this is gonna put him out for at least 3 to 4 months.
O, and he has no insurance either, but I think his parents are gonna try and help him out.
Sorry, to hear about your hand, I hope it's just a sprain, and you feel better soon.