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Sorry for bringing an old post up, but... a groin can be severed? :/
Yes it can, though it happens
rarely.
In theory, it just takes a direct hit to the groin, but I guess most humanoids tend to have it covered better than they have their heads.
As for the head, I think this COULD happen if the enner beast was meleeing You and the first attack killed You, and the second one severed the head. Perhaps.