You need to come up with a story. Maybe about how you injured it jumping up and down cheering at an ISU basketball game.
Was talking MCLs after golf with some of my fellow old dudes and asked how the guy who was getting his fixed injured it. Putting on his socks! Other guy added he has had two MCL, both while pedaling on his road bike. Damn.
After 40 years of reckless choices and never breaking a bone, I'm about 98% sure that I'm eventually going to meet my maker in some truly insignificant and undignified way. Maybe I'll be wrong and it'll be something heroic, but if I had to put money on it, I'd wager that it will be a lot more Three Stooges than Jack Bauer.