An insurance company refused to pay $300,000 in a head-on crash that killed a Michigan man and his mother after a doctor came up with a key conclusion: Robert Krugman likely drifted out of his lane because of a heart attack. A federal appeals court this week called the 2014 crash "tragic." But it ruled in favor of Reliance Standard Life Insurance Co. because Krugman’s insurance policy through his employer said no money would be paid in an accidental death if a heart attack contributed to the death. "I don’t begrudge them. They’re trying to enforce their policy," Robert June, an attorney for Krugman’s sister, said Wednesday.