Accidental death and dismemberment insurance frequently present fascinating issues, as illustrated by a recent ruling from the 9th U.S. Circit Court of Appeals. In Dowdy v. Metropolitan Life Insurance Co., 2018 WL 2223722 (9th Cir. May 16, 2018).Tommy Dowdy required a below-the-knee amputation following injuries suffered in a car collision. Although such an amputation would normally result in the payment of benefits under an …