THOMAS, Justice.
The main issue in this appeal is whether Rita French is entitled to collect $25,000 in accidental death and dismemberment (AD & D) benefits from Shenandoah Life Insurance Company (Shenandoah Life) as a result of the death of her husband Roy L. French in an on-the-job mining accident on May 22, 1984. Roy was killed while working for Lambert Coal Company, Inc. (Lambert), one of Shenandoah Life's insureds.
In 1982, Lambert applied to Shenandoah...
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