OPINION OF THE COURT
NIX, Justice.
On October 12, 1972, at some time after 4:30 a.m., Carmen A. DeChesaro died of strangulation by a seat/shoulder belt after the auto he had been driving went off Noblestown Road, North Fayette Township, in Allegheny County. Dr. DeChesaro's life insurance carrier, the Mutual Life Insurance of New York (MONY), refused to pay the face amounts of two policies and accidental death benefits on one policy of life insurance issued...
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