FILE - In this Aug. 17, 2012, file photo, Carolina Panthers' Haruki Nakamura (43) runs onto the field during player introductions before an NFL football game against the Miami Dolphins in Charlotte, N.C. The former Carolina Panthers player who received what the NFL deemed a career-ending concussion has sued Lloyd's of London for denying a $1 million insurance policy.The lawsuit filed this week in North Carolina could become a test case for insurers dealing with the fallout from sports concussions and head trauma claims. The NFL has awarded defensive back Haruki Nakamura full disability benefits since the August 2013 concussion in a preseason game. (AP Photo/Mike McCarn, File)
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