Medical Payments Coverage and Personal Auto

Our personal auto insured was recently involved in an accident. While sitting still in a parking lot, he was hit in the rear by a truck. He got out of his car to check the damage. He became dizzy and fainted while talking to the truck driver, and struck his head on the ground. His wife took him to the closest emergency room.

His personal auto insurer is denying payment for the emergency room expenses. They contend that there is not enough proximity between the accident and his injuries. He's never suffered dizziness or seizures previously. We believe that it was being struck by the truck that brought on his fainting and, thus, the ER expenses should be covered.