Doctrine mean ing indemnity from another source. It must be distinguished from subrogation. If the insured receives any sum, before or after a loss, that reduces his actual loss, he must credit the insurer with that sum. For example, an employer holding salary otherwise due to a defaulting employee must deduct the relevant sum from any claim under a commercial guarantee.
***
The liability of insurers under a contract of indemnity is to make good the insured’s loss. If the insured’s loss is made good aliunde (from another source) the insurer’s entitled to credit accordingly for any sum received.