When BF crashed his bike, he had to be flown to the ER because the paramedics suspected head and neck injuries. (Thankfully, it was only a concussion.)

He told me they had to fight with the insurance company to cover it. They weren't going to because it "wasn't a necessity, based on his injuries." They had to track down the paramedics who requested it to tell them a) it was the paramedics that requested it, and b) based on what they knew at the time, it was the best option. Once they had a statement in hand, the insurance company covered it (or most of it, can't remember).

Glad to hear that your DH is going to be okay.