Answer:
A triple indemnity rider establishes that the insurance company will pay double or triple (depends on the accident and the specifics of the policy) the original insurance amount in case the insured dies from an accident as long as the insured was not responsible for the accident. In this case, since the insured was responsible for causing the accident, his family will receive the face value of the policy ($1,000,000) and the triple indemnity rider clause will not be enforced.
