What If ... ?

Here's a hypothetical for the legal buffs.

Let's say you're covered by a life insurance policy, which encompasses accidental death. You are in a car accident and, whilst on the operating table, you pass away. Luckily, thanks to the ministrations of the attending medical staff, you are revived.

Here's the question.

Technically speaking, you have died. Are you then entitled to lay claim against your life insurance policy? I mean, can you ring up the insurance company and say, "Listen. I've got a policy with you. I died. Now you pay up"?

And what if, at some later date, it happens again? Would you be able to claim a second time? And would the insurance company put the premiums up, like they do when you've had a driving accident?

Just wondering.