I have wanted sims in casts and on crutches for the longest time. I had ideas for this since TS2, but it's never appeared in game, nor in any mod.
I wish it had been done with GTW, as that would've made so much sense. It doesn't even have to be an option for your sim to visit the hospital like with pregnancy, but they could disappear for an hour and then reappear with a cast and crutches. If a sim needs an operation, then they should be in a wheelchair for 2 days, and have to bumshuffle up and down stairs, after putting their wheelchair into their inventory, like with pushchairs for toddlers in TS3, or make them draggable in live mode so they can take the wheelchair upstairs with them.
Breakable bones for things like:
falling in snowy weather,
falling at the roller rink,
playing on playground equipment or fitness wall,
falling off gym equipment or using gym equipment with low fitness skill,
diving into a pool,
falling out of bunkbeds (please, oh please give us bunkbeds - and have an option to switch the lower bunk for a toddler bed so two kids in a poor house can share the tiny room)
falling down stairs...
Being old should have a higher risk factor of falling in general, especially in snowy weather
Broken legs should definitely cause clumsiness as a temporary trait and affect their walk style for a couple of days once the cast is off.
Children should be accompanied to the hospital like a pregnant sim in labour is with their chosen birth partner....or maybe every sim should be able to choose whether to be accompanied, like when a sim is having a baby. Go alone, or choose sim to go with.