Neer V. Fireman's Fund American Life Insurance Co‪.‬

Willis D. Neer petitions for reversal of a decision by the Court of Appeals, Division Two, affirming a trial court decision granting summary judgment to Fireman's Fund Insurance Company. The trial court and Court of Appeals held that petitioner was not entitled to benefits under an insurance policy covering loss of both feet by complete severance because he did not suffer a dismemberment. The sole issue before this court involves interpretation of the extent of coverage of an insurance policy purchased by Neer from Fireman's Fund. The Loss of Life Accident Indemnity policy provides, as part of a list of insured losses, coverage for loss of both feet. Although there was no dismemberment in this case, we hold, consistent with our earlier case of Morgan v. Prudential Ins. Co. of Am., 86 Wash. 2d 432, 545 P.2d 1193 (1976), that the policy covers Neer's loss because the term "loss" as described by the policy does not require dismemberment or amputation.