Having had plenty of surgeries from fractured bones and torn ligaments you can certainly do this. There will be emergencies where you can't but I would think in the typical scenario you have the time and ability to price compare.
I've even broken bones on vacation and only had x-rays after I've arrived home. Does it hurt? Yes. Am I incapacitated? No.
I've only seen one person break his arm, and that was a fall from a tree, the bone was completely broken (his arm was bent at an unnatural angle), and he was in severe pain, the EMT's injected him with a painkiller almost immediately.
That's definitely going to the emergency room but there's a good chance it's a temporary cast and then surgery is scheduled the next day. That said, I'm not a physician and I'm only relying on my own experiences.
I've even broken bones on vacation and only had x-rays after I've arrived home. Does it hurt? Yes. Am I incapacitated? No.