My daughter was injured at daycare and I don't think I'm getting the full story from them

My daughter is 22 months. She goes to a daycare with kids from 6 weeks to 5 years, but is in a class with other kids under 2. I got a call from my daughter's daycare yesterday that her hand got slammed in a door while going to gym time (where all of the kids around 2 get together to play) and I needed to come get her.My first reaction was accidents happen and it was probably some kind of cut, but how much damage could a toddler closing a door really do.When I got there, there was a lot of blood, but I had no idea how bad it was other than she was definitely going to lose the nail. The school director told me her hand was in the back of the door by the hinges and a child kept trying to close the door while her hand was in it.We went to her primary doctor who sent us straight to the ER. Long story short, she has a hairline fracture and needed 1 stitch under her nail. I know the doors at daycare are big, but they don't automatically close and I just can't see how a 2 year old or even a 5 year old could have created enough force to hurt her so badly. Some of the teachers do bring their 8-10 year olds kids in the summer who hang around in the classrooms. My thought is it might have been one of these kids helping their mom that caused the accident.My questions: how do I approach this with the director? I realize that no matter who caused the accident, it was still an accident, but, at the end of the day, my daughter is badly hurt and I want to what really happened and that it won't happen again. Also, am I out of line asking for reimbursement or at least help with medical bills? I made sure everywhere we went was in network, but a pediatric ER is still going to cost an arm and a leg, even with insurance and she needs to see a hand specialist in a week.Tl;dr: My daughter got badly injured at daycare and their story isn't adding up. I think an older kid who doesn't go to the daycare caused an accident and I'm not sure how to approach this with the director. via /r/Parenting https://ift.tt/2MtA53F