Our personal auto insured had a heart attack while driving his car and had a collision with another vehicle. He was carried by ambulance to a local hospital, was treated, but died the same day. The insurance company has denied coverage of any medical bills saying that the auto accident did not cause the heart attack whereas the medical payments agreement promises to pay for medical services made necessary by accident.
It is our contention that the ambulance bill and medical attention in the emergency room ought to be reimbursed. With $3,000 in collision damage to the insured's car, it stands to reason that the insured would have required medical attention.
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