"Teacherjh" wrote in message
...
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).

Since the owner/operator/pilot of the vehicle most often winds up being
liable for passenger damages, passenger insurance doesn't spread the risk
out nearly as much as you appaer to be claiming.

As far as the number of seats in the airplane affecting the cost of the
insurance, that's exactly the kind of "passenger" risk calculation that the
insurance companies are doing that I'm talking about. You are just making
my point with that statement.

Pete