This is not at all an accurate summary of the CDC’s Cause of Death reporting guidelines for Covid-19: https://www.cdc.gov/nchs/data/nvss/vsrg/vsrg03-508.pdf
If you die in a car accident with Covid-19 in your system, the UCOD is massive trauma from car accident, not “Covid-19”. The CDC reporting guidelines make it clear that Covid only rises to the level of UCOD if it meets the criteria of “ (a) the disease or injury which initiated the train of morbid events leading directly to death”