I suspect they would have to pay. It is 12 years after the collapse and no charges against the husband have ever been filed. He won a malpractice case which said the cause of her collapse was a chemical imbalance. What would be their legal ground for non-payment?
Almost everyone on this thread has been knocking him down, but there has been a legal decision that the cause of her collapse was medical malpractice and not any kind of criminal activity on his part. I strongly suspect that if there had been even the slightest suspicion against him at the time of the suit, the insurance company for the Dr. involved would have hammered away on that.
The suit asked for more but Terri was determined to be 70% responsible for her condition. She definitely had bulimia and probably had a potassium imbalance. In my mind the issue of responsibility is ancient history and shouldn't be brought up either to bash the husband or to bash her. There is no need for such bashing.
Except for George "death process" Felos, he needs a lot more bashing.