 [ Symptoms ] i understand that health insurance premiums are based on income what income do i use to calculate my premium when buying health insurance is it gross income or adjusted income [ Disease ] yowie that sounds painful even to me and i am a girl in terms of sterility i doubt this accident would impact your ability to father children the penis is merely the delivery hose so to speak of the seminal fluid that contains sperm the actual sperm which are the key to fertility are formed in the testes testicles and stored in the epididymis depending on the severity of the injury i suppose it is possible you could have damaged a critical reproductive structure such as the vas deferens in your accident it is not too late to have your injury evaluated a competent urologist can examine you and run some tests to check the number of viable sperm in your ejaculate this will tell you if you are fertile or not hope this helps