Harbingers of Spring: Grieving Widow Sues Husband’s Life Insurance Company for Denying Accidental Life Insurance Benefits for Death Caused by Mosquito Bite

In September 2013, Melton Dean Wells passed away after being hospitalized for weeks due to West Nile encephalitis (WNE), a disease contracted from a bite by a mosquito carrying the West Nile virus. Though Wells suffered from other ailments before contracting WNE, including obesity and diabetes, his widow contended that his death was solely caused by the disease contracted from his mosquito bite, an accident which Mr. Wells could not have foreseen; and, therefore, his death should be covered under his accidental death insurance policy. Find out if the courts agreed with the widow Wells.