For example, if you have a heart attack while driving, the damage to your car would be covered if you have collision coverage.
But your own specific-state laws will dictate whether or not an insurer will pay.
You need to look into your current state laws to see if you need to report your medical condition to the DMV or your insurer. If you don't report your medical condition and you have an accident, you might be denied your insurance benefits. You also have to tell your insurer about any medical condition you have so that they can rate you according to your risk.