Allstate Insurance has denied coverage to three people injured when an independent contractor working for a medical transportation company suffered a stroke and hit an oncoming truck, arguing its policy with the driver excluded damages if the car was serving as a “vehicle for hire.”

The insurer’s complaint said the driver was using his own vehicle to shuttle riders for Atlanta-based LogistiCare, which operates in 41 states and bills itself as the “the nation’s largest provider of of non-emergency medical transportation for state governments and managed care organizations” when the accident occurred in March.