I was involved in an accident two years ago, when a car ran into the back of mine. The driver of the other vehicle died of a heart attack. I was off work for six weeks, but his insurance company is saying I’m not entitled to compensation because he died before the accident happened and he had no previous history of heart trouble.
There’s often a difficulty establishing whether the accident caused the heart attack or vice versa. You would succeed in a claim against the driver’s insurers if you could prove that he was driving against medical advice or that he knew he wasn’t fit to drive. You have to show that he was “at fault” in some way; if the heart attack was sudden and unexpected the insurers may not be liable. See a solicitor.