Re the insurance--- I am sure of that!!!!
Cure for the funny bone issue--stop doing that??? Kinda like take the spoon outta the cup before ya drink and it won't hurt your eye??? But seriously, maybe using power tools too much and vibrated something loose?
No long term power tool usage. A lot of vibration through the steering wheel in my old tool trucks for 28 years probably did it. I think driving those trucks for so long did more damage than I realize.
