CUDAHY, Circuit Judge.
Martha Valerio was involved in a car accident in which she suffered a severe spinal cord injury that left her a quadriplegic. Although her spinal cord was not severed in the accident, she did suffer a severance of neurons within her spine that caused her to lose permanently the use of her legs. Valerio filed a claim with the Home Insurance Company under her policy that provided coverage for loss of limb resulting from "actual severance through...
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