Heart Attack Victim Liable for Auto Accident?

If a person insured under a personal auto policy is driving down the road, suddenly suffers a heart attack and runs into another auto, injuring or killing the other auto's driver, does the auto policy of the driver suffering the heart attack cover such an accident?

I know the auto policy requires the insured to be legally responsible for the injuries, and I can't see how a person can be responsible for such injuries if he has a heart attack. That certainly does not equal negligence in my opinion. I just don't see any fault on the part of the heart attack victim. What do you think?

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis