OPINION
CHIN, District Judge.
On February 8, 2007, thirty-one year old Trudy Barnes ("Ms. Barnes") had elective orthopedic surgery to correct an abnormal curvature of her spine. During the surgery, a catheter was improperly inserted into her chest, puncturing a vein. She went into cardiac arrest, and died two days later.
Ms. Barnes was insured under a group accidental death and dismemberment insurance policy (the "Policy") issued by American...
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