Robert M. Gary wrote:
I'm not sure what "generally" means but subrigation is very much over
reported.

"Generally" means in every insurance contract I've had over the last
15 yrs. with most of the available underwriters. I can't speak for
every underwriter or individual policy. You have to read your own to
be sure.

I was not referring to subrogation. I was referring to the fact
that the insurance on the plane covers the owner for damage and
liablility caused by the open pilot. It does not cover the open pilot.

A quick example would be that you borrow your friend's plane under
the open pilot clause and crash it into a house. The homeowner sues
you (the open pilot) and the owner of the airplane. The insurance
company will cover the pilot and pay out, or defend him if necessary.
You (the open pilot) are on your own.

John Galban=====N4BQ (PA28-180)