'Double Indemnity' is its title, and the extent of its refrigerating effect depends upon one's personal repercussion to a long dose of calculated suspense. Dec 20, 1998 - The puzzle of Billy Wilder's 'Double Indemnity,” the enigma that keeps it new, is what these two people really think of one another.
Double Indemnity
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A term of an insurance policy by which the insurance company promises to pay the insured or the beneficiary twice the amount of coverage if loss occurs due to a particular cause or set of circumstances.
Double indemnity clauses are found most often in life insurance policies. In the case of the accidental death of the insured, the insurance company will pay the beneficiary of the policy twice its face value. Such a provision is usually financed through the payment of higher premiums than those paid for a policy that entitles a beneficiary to recover only the face amount of the policy, regardless of how the insured died.
In cases where the cause of death is unclear, the insurance company need not pay the proceeds until the accidental nature of death is sufficiently established by a Preponderance of Evidence. A beneficiary of such a policy may sue an insurance company for breach of contract to enforce his or her right to the proceeds, whenever necessary.