My wife's right hand lathe tool cut, causing work-related injuries. The boss's factory is very small. She only paid personal accident insurance, so she didn't go to work. ...

The boss paid personal accident insurance, and the medical expenses paid by the boss are all in the name of the boss, which shows that your lover and boss are employers and employees. Otherwise, why do these two things? Why didn't he pay you personal accident insurance? The specific situation depends on the results. Think twice before you leap. You can go to the local urban labor arbitration department and ask them for legal aid.