An "Act of God", where they still use that sort of phrasing, generally applies to incidents that happen *to* your property, not something you do to another. My policy does not use such phrasing, but makes exceptions for such things as war damage and nuclear hazards. Automobile insurance can be broken down into three main categories, covering things that you do to others (i.e., liability), things that happen to you that are beyond your control (e.g., fire, theft), and things you do to your own vehicle (e.g., collision). Liability insurance is usually mandatory, while the other types are optional. If you injure another person and/or damage their property, the incident would be covered by your liability insurance. You would be considered the operator of the vehicle at the time of the accident, regardless of your medical condition. If you, for example, got into a car and tried to drive it to a hospital while you were having a cardiac event, you could be found resonsible for the accident. If the cardiac event happened without warning, it would most likely be deemed a no-fault accident, if such a classification is permitted in the legal jurisdiction where the accident occurred. In either case, it would be your fault. Coincidently, one of my uncles died of a heart attack at the wheel of his car. He was driving in an urban area and the car, on his death, went off the road, crossed the sidewalk, and drove into the front of a store. Luckily, no one was injured in the accident.