I hope you are alright Dogleg.
It is not possible to double charge a case with IMR4895...45 grains pretty much fills the case. In fact, hodgdon's reloading data indicates that their maximum safe load with this bullet/powder combination as 47.5grains and that it is a compressed load.
Eliminating the obvious such as using the wrong powder (ie: refilling a powder measure accidentally with pistol/shotgun powder midway through a loading session)or a squib where the case was cleared and followed up with a live round, my guess for the most likely reloading induced kablooie would be a high primer. I've had to modify my reloading practices considerably to specifically eliminate this possibility; prior to doing so an inspection after reloading with a dillon 650 would often reveal several with primers sitting slightly above the base of the case.
Second speculative guess would go to a firing pin seized in a dirty channel.
I would be real curious to see photos of the receiver, barrel, bolt, and specifically the firing pin and the culprit case.
Again, I hope you are ok.
Brobee
edited to add: 3rd speculative guess would be hammer follow (the firing pin channel and firing pin tang is supposed to prevent out-of-battery-firing in the event of hammer follow but I've seen lots of out of spec channels and firing pins abound...not a big deal if there is no hammer follow but a potentially big deal if there is), especially if the factory norinco was replaced with a USGI stock and no fitting of the trigger guard was done specifically to mitigate hammer-follow.