Wow. Not sure where this tidbit of information comes from, but it's terribly incorrect. Ambulances respond very quickly to accident scenes and to other emergencies. The national average response time for an ambulance is 10 minutes. It's usually even quicker than that and they do not check to see if you have insurance when they transport you. They simply take you to the NEAREST hospital and then you are stabilized. ONLY AT THAT TIME does your insurance information get checked for coverage. If your insurance company requires you to attend a different hospital, they transport you AFTER it is safe to do so.