United States Seventh Circuit

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Sellers v. Zurich Am. Ins. Co., 10-1448

District court's affirmance of an insurer's denial of a widow's claim for benefits under the accidental death and dismemberment (AD&D) insurance policy, arising from her husband's death shortly after undergoing a surgery to remove a broken wire from his knee that was inserted over a year during a previous surgery for work-related injury, is affirmed as, although the insurer acted arbitrarily and capriciously in failing to interpret the Plan as would a person of average intelligence and experience, to the extent that the breaking of the wire was an injury, such injuries resulting from medical treatment are not accidents as that term is used in AD&D policies.

Appellate Information

  • Argued 09/30/2010
  • Decided 12/03/2010
  • Published 12/03/2010



  • United States Seventh Circuit


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