FIDELITY RESERVE INSURANCE COMPANY v. English

This is an action upon a sickness and accident policy which provides twelve months of benefits for disability “resulting solely from bodily injuries effected directly and independently of all other causes through accidental means.” In appealing from a judgment for the plaintiff the insurer relies upon several clauses in the policy to support its denial of liability.

It is contended that the appellee’s disability did not result solely from accidental means, within the language quoted above. The undisputed facts are that the appel-lee accidentally stepped on a roofing tack, gangrene developed…