That isn't happening, and never was.
What did happen, and is happening, is if someone has a life-threatening medical emergency, like for example a stroke or heart attack, or as you mentioned a car accident that results in life-threatening trauma, and an emergency room or intensive care unit has to triage that patient out because they're already over-capacity from Covid patients. Or, someone has a life-threatening chronic condition and has to be refused life-saving palliative care due to pharmaceutical, PPE, and labor-hour shortages because hospitals are over-capacity treating Covid patients. That person dies because they lacked access to life-saving medical treatment.
That is absolutely a Covid-related death; were it not for the intervening factor of Covid (as a phenomenon), their life could have been saved. Those deaths count as excess mortalities, but as what they don't count are Covid-related deaths. That's why Covid represented such an elderly die-off as it did, without every elder necessarily dying of Covid: they had other life-threatening medical problems which couldn't be treated, thanks to the strain Covid put on health care systems and national infrastructures.
But covid is not the sole thing birthing the circumstances you describe. You can also blame things like, for example, understaffing, the rising costs of providing healthcare limiting its supply, the country just not having as many hospitals as it should. It not paying doctors enough or not bringing forth the next generation in such a way where enough of them end up becoming doctors and nurses so that there's enough staff to tackle pandemics. So on and so forth.
Why the need to just blame this complex set of multifaceted problems on covid instead of spreading the blame around more fairly and tackling each and every factor that contributed to the problem?
To keep the car crash metaphor going, this is like someone crashing onto a building and blaming the building. There had to have been a series of failures on the way that lead to the crash, and while, sure, if there was an empty lot there instead of a building you wouldn't have crashed, that's...reeeealy not the actual cause of the crash. You're supposed to drive in such a way that avoids crashing into buildings. Even badly built buildings that jut out into the street in a blind spot.
And finally, no, if someone is out in an isolated island and dies because their treatable affliction wasn't treated in time, we do not count that as a helicopter death, because in fantasy utopia land a helicopter should have gotten to the guy and transported him to treatment. His cause of death is whatever injury or ailment he sustained on that island, that and only that.