Doug wrote:
Nice myth. Similar to the myth that if the pilot broke the FARs, the
insurance company doesn't pay. Tell me, in your car, if you fail to
maintain your brakes, can't stop and crash, does your insurance
company deny your claim? Same thing with running a stop sign and
running into someone. If my insurance contained clauses allowing
denial of claims due to maintenance defects or pilot error, I would
NOT insure with that company. I have never seen such clauses in ANY
insurance policy I have ever read.

But I agree it is a common aviation myth, usually propagated by
instructors (usually instructors who have NEVER owned an airplane nor
READ an insurance policy).

The insurance company will pay... and then they will subrogate.