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Whether or not you are responsible for the death of this woman, whether you are liable for the ambulance fees, and whether your insurance would pay for this woman's death would depend on the facts of the case. I cannot make this determination by reading your post here. Your insurance claims department should be handling this matter for you including retaining an Attorney for your defense, if necessary. This is the reason why you have insurance. So, you need to contact your insurance company's claims department and ask these questions.