Ted - I lived with a torn ACL for ten years - and it's a right royal pain in the ass. It went all the time - in the shower, playing footie (stupid) and even just climbing over a gate. I found it often went whilst I was drunk, as I wasn't on guard and was prone to stupidity. It's a horrible feeling when you feel the wobble and then the snap. It really really really is worth fixing up asap. Obviously I wasn't as sensible as my own advice.
But, the last time it went was in Cape Town, where I happened to be on a training course. I took advantage of my cheap insurance, and got it operated on by some of the finest knee surgeons of the world at Newlands Sports Clinic.
Orthopaedic Clinic Cape Town | Sports Injuries Surgery | Knee Injury
As way of warning, the doctor told me I was borderline knee replacement candidate, which would mean surgery every ten years or so. Luckily they could still staple it back together and the knee is great now, 12 years later.
Remember though, if you do use your insurance, say it's the first time it's happened! The doctors know full well it isn't and don't care as long as you are being operated on, the insurance will only pay if you have a new condition.
Good luck either way. And take it EASY!
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