Key word, “if”. That’s what insurance companies depend on us lifting above all else. A life insurance company is betting you are going to live, while you are betting you are going to die.
And the weird “unconscious” event is a stretch. Sure, it could happen, possibly, maybe. But a card in my wallet that clearly says “Don’t involve any transportation service that will charge money for the service” would be welcome in court, should someone try to charge me.
That is what all insurance is about. Even if you are not unconscious, but merely unable to move or get up, such as having shattered a hip. Who is going to move you to your bed, and then in and out of it for months? And no one is going to search your wallet before you get to a facility. You’d better tatoo your forehead, “Just leave me to croak or pay my bill.”