Liability insurance pays when the covered driver is legally responsible for another person's crash-related medical expenses or property damage.

The other driver had a heart attack prior to crashing into your parked car. A heart attack is an unexpected medical emergency the affected person did not anticipate and cannot control. As such, the person that hit your car was not negligent in causing the accident. Without negligence the other driver is not legally responsible for damages to your car.

Does your own car insurance include collision on the damaged vehicle? If so, you can submit a claim through your own insurance policy. Check the collision deductible, as you must pay this amount before the insurance company steps in.

A liability-only policy provides no physical damage coverage for your vehicle. In turn, the cost of repairs is entirely out-of-pocket.