American Nat. Ins. Co. v. Fulghum

The American National Insurance Company Insured Fulghum against bodily injuries effected directly and independently of all other causes through external, violent, and accidental means, agreeing to pay $1,000 for the loss of either arm, and the additional sum of $17.50 per week during the time he was incapacitated for work. The policy provided that it should not cover accidents, injuries, or loss of limb resulting directly or indirectly from entering or trying to enter or leave a movable conveyance using steam as a motive power.

Fulghum had his arm severed by a moving freight train in the yards…