Generally speaking, an insurance policy goes with
an airplane or motorcycle, not specifically the driver of that vehicle.
That is, you don't wind up with more policies for airplanes just because
there are more people riding in an airplane.


The insurance that each person aboard buys (i.e. health insurance, life
insurance, stuff like that, which covers some of the costs) spreads the cost
out, as does the insurance the airplane owner buys (which is partly based on
number of seats).

Jose

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