Who said people have to decide all by themselves with perfect accuracy? Not me. Tesla employs medical professionals to make that decision. In the absence of that, people can call their doctor or 911 for advice depending on the urgency. Even a call to 911 doesn't always have to end in an ambulance ride.
Okay, but now you're arguing a different point. It doesn't follow that because Tesla is coercing its medical professionals to make unethical decisions, that you should take on the vast inefficiency of sending an ambulance for every accident, in general.