The school nurse gave her a couple of bandages - and lodged a claim with ACC.
"The people cost involved in doing all of that," the mother said. "For a plaster ... I don't think we will be requiring any follow-up treatment at the taxpayer's expense.
"How many stubbed toes can you put through, just in case one day it turns out to be something?"
But ACC, doctors and schools say that although such bureaucracy can seem over the top, lodging a claim creates an essential paper trail should an injury worsen.
Secondary Principals' Association president Patrick Walsh said schools reported all injuries to ACC after being stung for not doing so.
"The classic examples are sprained ankles ... it gets treated, no ACC form is filled out and subsequently you find out there is quite a serious fracture in the ankle.
"It requires extensive and expensive treatment. And then you get the parents wanting the original form ... and the doctors, and ACC."
But Aucklander Gillian Richards said she was still bemused her 4-year-old son Daniel has an ACC file after going to the doctor to have a splinter removed from his finger which had become infected.
"It just seemed a bit over the top. He's in a kindergarten, and every scraped knee and banged elbow is documented, and we get a letter at home."
Alasdair McIntosh said he and his wife were baffled when they received a letter from ACC early this month saying their 3-year-old daughter Danielle's injury was covered.
"The wife and I are looking at each other going, 'What injury has she had?"'
Mr McIntosh phoned ACC, and was told his daughter's injuries were insect bites for which the family doctor had prescribed an ointment after a visit last month.
"We sort of laughed about because insect bites hardly rate as an accident ..."
An ACC spokesman said because insect bites were classified as "puncture wounds" they were deemed an injury.
