The DAN insurance should pick up whatever charges your primary insurance does not so hopefully it won't cost YOU anything.
As others have mentioned a couple of the things that can but considered suspect for an unexplained hit- dehydration, heavy muscle use within a few hours of a dive (before or after).
An older injury at the same location could make it easier to bend as well.
The DAN website is an excellent starting point to read up on dcs and dive medicine in general-
Divers Alert Network : DAN Medical Center : Medical Articles, take a look at some of the articles there.
There is also a wealth of information in the dive medicine and ask dr. deco forums here.
If you want some good reading material for your down time I'd recommend Mark Powell's "Deco for Divers" book.
Nitrogen isn't off-gasssed from your system through the skin- it passes back through your bloodstream to the lungs where you simply exhale it. If there is too much nitrogen too pass out that way then you can get bubbles forming in the joints or other tissues as you experienced- DCS. (Please excuse the gross over simplification here)
Your circulation significantly effects the off-gassing, if your suit was very tight around the knee that could lower circulation and cause a problem as well.
Or, it could be a whole bunch of factors in combination.
One of the things the hyperbaric doc will normally do is have you follow up with your regular doc to see if there might be any underlying medical issues that could have contributed to the incident- if they don't you should do that on your own.