"dale" wrote in message ...
If you have a current medical but are taking a disqualifying drug, then you
are technically grounded?


Yes.


If you are not aware that the drug is disqualifying, are you then safe?


Probably not, since as PIC you're responsible for obtaining all
necessary information for a safe flight.


If you continue to fly and the FAA somehow has a reason to check into your
medical, can they get access to your medical records?


Not without your permission, which you may have inadvertently given if
you signed a blanket release.


If involved in an accident will your insurance refuse to cover you because
of the disqualifying drug? Even if it had nothing to do with the accident?


Very likely. They'll sieze on any excuse to get out of paying a
claim.

See http://www.aopa.org/members/resources/medical.html

If you're not already a member of AOPA, join.