since such contingency contracts do not indemniny the insured, there is no rule against double insurane and the insurers have no right of subrogation, which mean the insured will retain any payment from another insurer and any damages from a tortfeasor. the insurance industry has expanded the range of such policies.For example , in the nineteenth century specialist insurers began to offer policies that provided a fix amount in the even of the insured suffering injury or death as the result of an accident, or combined elements of indemnity and contingency insurance: under the accident policy in the insurer promised to pay a fixed sum on death and to compensate for pain and loss suffered up to.