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Nakumura suing insurer after suffering career-ending concussion

Carolina Panthers v Atlanta Falcons

ATLANTA, GA - SEPTEMBER 30: Roddy White #84 of the Atlanta Falcons pulls in this touchdown reception against Haruki Nakamura #43 of the Carolina Panthers at Georgia Dome on September 30, 2012 in Atlanta, Georgia. (Photo by Kevin C. Cox/Getty Images)

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Former Panthers and Ravens safety Haruki Nakamura has filed a lawsuit against Lloyd’s of London seeking $3 million in damages after a concussion suffered in a 2013 preseason game ended his NFL career.

The suit says that Nakamura can no longer play football and has also been unable to return to any kind of employment. Nakamura took out a $1 million insurance policy with Lloyd’s of London before the 2012 season and is seeking that plus damages and fees.

The suit was filed on Monday in North Carolina and was first reported by the New York Times.

Nakamura was placed on injured-reserve by the Panthers after suffering the concussion, then released with an injury settlement. The NFL retirement board ruled Nakamura “totally and permanently” disabled in 2015, according to the lawsuit, which also states that underwriters for Lloyd’s of London have denied Nakamura’s claim because he’s failed to show that the concussion “solely and independently” led to his permanent disability.

Nakamura played five NFL seasons, four with the Ravens and one with the Panthers before the injury.