As a result of the accident the person is permanently and totally disabled. This means that the person is practically reduced to mere mass of flesh. In case of loss of sight the same must be total and irrecoverable hence blind for all practical purposes does not satisfy the definition, but claims are admissible if vision has become so impaired that it is impossible to recognize objects, although the difference between darkness and light can be distinguished. As regards loss of limbs loss of hand and/or foot physical separation at or above the wrist or ankle satisfies the policy requirements. It is not only an amputation or loss of limb, even loss of use of limb consequent upon an accident is as good as actual loss of limb. The provision is applicable when the insured is permanently unable to engage in or attend to his usual business or attend to any business of any kind.