On 04/12/06 09:49, Jay Beckman wrote:
"Mark Hansen" wrote in message

[ snip ]


I decided that I would need to carry my own insurance which would not only
cover my liability, but also the cost of the airplane (in the event the
FBO's insurance company came after me for the damages).

However, this was just too expensive.

Was this not a concern for you?

Oh I still have "Renters Insurance" that I established back when I was
originally training/renting at this particular FBO. It's valid until the
end of May (and I might renew it just in case I ever want to rent
elsewhere...) but the flying club I joined has insurance to which all
members are named insured.


What I was told (by the FBO) was that I should carry enough hull coverage
to cover the FBO's deductible.

However, after looking into it some, I found that the FBO's insurance company
can come after me to recover their entire loss. The liability on the renter's
insurance is probably good enough, but the hull coverage was awfully expensive
when considering enough to cover the entire cost of the airplane.

I assume you carry 5-10K hull coverage with the expectation that you'll only
need to to cover the FBO's deductible?

If so, are you assuming the FBO's insurance company will never come after
you in the event of an accident?

I know some will say that they never will, but I was (am) quite concerned about
that. The fact that the flying club offered full insurance with me as a named
insured was my primary reason for joining.

Thanks for sharing!

--
Mark Hansen, PP-ASEL, Instrument Airplane
Cal Aggie Flying Farmers
Sacramento, CA