138 Minn. 10 | Minn. | 1917
While plaintiff held an accident insurance policy, issued by defendant, he met with an accident resulting in the loss of a foot. In this action to recover the amount stipulated in the policy, the court found that he was not entitled thereto. He appeals from the order denying a new trial.
The policy, made a part of the findings, provides that defendant “does hereby insure, subject to all'the provisions and conditions herein contained or indorsed hereon, the person (herein called the insured) named and described in the aforementioned schedule * * * against disability or death resulting directly, independently and exclusively of any and all other causes from bodily injury effected solely through external, violent and accidental means. * * * Part 1. If any one of the following losses shall result solely from such injury within 90 days from the date of accident, the company will pay in lieu of other indemnity — for loss of either foot by severance at or above the ankle” $1,875. The court found that on or about May 22, 1915, plaintiff “received a bodily injury effected through external, violent and accidental means by which one of his toes on his left foot was cut and injured. That said wound did not heal, and on or about August 17th, 1915, said toe and foot became and was infected because of said cut and injury. That said infection progressed and continued until the 25th day of September, 1915. That by reason thereof plaintiff was obliged to submit to an amputation of his said left foot above the ankle; that said amputation and loss of said foot was due solely and entirely to the aforesaid injury received by plaintiff to said toe on the left foot.” It was further found that plaintiff failed to give written notice of the accident and injury as required by the policy and that on or about November 8, 1915, defendant denied all liability.
The bodily injury effected through external, violent and accidental means which plaintiff met, and upon which the right of Recovery must be predicated, occurred on the twenty-second or twenty-fifth day of May,
Having reached the conclusion that the loss plaintiff sustained in the amputation of his foot was not covered by the policy, because it took place more than 90 days after the accident, we need not consider the questions raised concerning notice to defendant of the accident and loss or the waiver thereof, for, in any event, the order for judgment must remain as it now is.
The order is affirmed.