best of luck with the genuine claim matey,
i know of several claims that have been deemed un insured due to medical conditions, .......blacking out! if they claim this then your screwed, possibly get paid but not for a long time, will be very messy and make you very angry!
trust me, been there!
p.s how can she blame you? give way to the right! wow i have respect for the elderly but this takes the piss.......... see below