Some life insurance policies offer a double indemnity clause for accidental deaths however auto insurance policies do not have double indemnity associated with them.

There are riders, modifications to the original life insurance policy, and the option for accidental death is one seen on many life insurance policies. These accidental death riders are generally available so that if the insured person dies of accidental causes, the life insurance policy pays out more than the original face amount of the policy.

These accidental death riders are also sometimes called "double indemnity clauses" because they are typically written to provide twice the face amount of the life insurance policy in the event of an accidental death.

So, for example, if you had a $100,000 life insurance policy, it would pay your beneficiary $100,000 when you died, regardless of the causes. However if you had a double indemnity clause in the policy and you died as the result of an accident, your beneficiary would receive $200,000.

So if you are buying a life insurance policy and want this option then look for a provision in the policy providing for payment of extra amounts of money if death occurs due to causes specifically set out in each policy. As we mentioned earlier this type of clause is commonly known as an "accidental death" or "double indemnity" provision. A small additional premium is normally charged for this extra coverage.