Renter Insurance questions

I have just recently moved to the states from Europe and I am currently
looking to various options for renter insurance.

Maybe it is my understanding of written english but some of the websites
confuse me.

On the Avemco wesite, it refers to "Aircraft Damage Liability (ADL)" -
what exactly is that ?

https://www.avemco.com/insuranceprod...#AviatorRates1

Boris

Hull coverage.

You can call the AOPA Insurance people and talk to a live
person.

AOPA INSURANCE AGENCY . PO BOX 9170 . WICHITA, KS
67277 . 800-622-AOPA (2672)


If not yet a member, the website is www.aopa.org


--
James H. Macklin
ATP,CFI,A&P

--
The people think the Constitution protects their rights;
But government sees it as an obstacle to be overcome.
some support
http://www.usdoj.gov/olc/secondamendment2.htm
See http://www.fija.org/ more about your rights and duties.


"PA28-181" wrote in message
news:KCb7g.4354$_c1.390@fed1read05...
|I have just recently moved to the states from Europe and I
am currently
| looking to various options for renter insurance.
|
| Maybe it is my understanding of written english but some
of the websites
| confuse me.
|
| On the Avemco wesite, it refers to "Aircraft Damage
Liability (ADL)" -
| what exactly is that ?
|
|
https://www.avemco.com/insuranceprod...#AviatorRates1
|
| Boris

"PA28-181" wrote in message
news:KCb7g.4354$_c1.390@fed1read05...
[...]
On the Avemco wesite, it refers to "Aircraft Damage Liability (ADL)" -
what exactly is that ?

Based on the discussion of "aircraft damage liability" in the FAQ, I'd say
that's the portion of the coverage that would pay for damage to the
non-owned aircraft in the event of an accident. This is distinct from
"property damage liability", in that property damage liability would only
pay for damage done to *other* property not under your control.

Pete

Peter Duniho wrote:
"PA28-181" wrote in message
news:KCb7g.4354$_c1.390@fed1read05...

[...]
On the Avemco wesite, it refers to "Aircraft Damage Liability (ADL)" -
what exactly is that ?


Based on the discussion of "aircraft damage liability" in the FAQ, I'd say
that's the portion of the coverage that would pay for damage to the
non-owned aircraft in the event of an accident. This is distinct from
"property damage liability", in that property damage liability would only
pay for damage done to *other* property not under your control.

Pete




Thank you

"PA28-181" wrote

I have just recently moved to the states from Europe and I am currently
looking to various options for renter insurance.

The very first thing you need to do, is join AOPA, to help guide you through
all things aviation, in the United States.

Forgive me if you are/are not familiar with AOPA, but for the explanation, I
will pretend that you know nothing about it.

You can find it on the web at aopa.org . They are a great thing, especially
in your case, and can guide you with medical, legal, navigation,
regulations, insurance, flight planning, and any other questions that may
come up.
--
Jim in NC

On Sat, 06 May 2006 17:58:17 -0700, PA28-181
wrote:

On the Avemco wesite, it refers to "Aircraft Damage Liability (ADL)" -

Your liability for damaging the aircraft you're flying, I assume.

But I've never heard it called that. It's generally known as "hull
insurance."

The airport I rent from requires us to carry $40,000 hull insurance.
Every student must get hull insurance in order to solo.

I carry $1 million liability as well, and I don't carry passengers as
a rule. That's for damage I might do to other people's persons or
property (including the rare passenger).




-- all the best, Dan Ford

email: usenet AT danford DOT net

Warbird's Forum: www.warbirdforum.com
Piper Cub Forum: www.pipercubforum.com
In Search of Lost Time: www.readingproust.com

Every place I have rented from has had a policy that lists renters as
primary insured. This means that if I wreck the plane, the insurance company
pays for it, and can't turn around and sue me for the damage. I guess I just
got lucky. Most rental places just have renters listed as qualified pilots,
but only the business is listed as an insured. This means the Insurance
company pays the business for the loss of the plane, but then can turn
around and sue you for the damage. In this case the business usually doesn't
care about what kind of coverage you have because they have their butt
covered either way. It pays to ask the business about their insurance
because it could save you the need to get your own coverage. I would
recommend asking for a copy of the insurance policy. I have always done this
in the past, and the FBOs have been very accommodating.

Of coarse, if you do not get your own insurance because renters are listed
as insured on the FBO's policy, you are relying on the FBO to keep up the
payments, and notify you if the policy is changed or cancelled. I felt
comfortable with this risk, but you may not if your assets are substantial.

"Cub Driver" usenet AT danford DOT net wrote in message
...
On Sat, 06 May 2006 17:58:17 -0700, PA28-181
wrote:

On the Avemco wesite, it refers to "Aircraft Damage Liability (ADL)" -

Your liability for damaging the aircraft you're flying, I assume.

But I've never heard it called that. It's generally known as "hull
insurance."

The airport I rent from requires us to carry $40,000 hull insurance.
Every student must get hull insurance in order to solo.

I carry $1 million liability as well, and I don't carry passengers as
a rule. That's for damage I might do to other people's persons or
property (including the rare passenger).




-- all the best, Dan Ford

email: usenet AT danford DOT net

Warbird's Forum: www.warbirdforum.com
Piper Cub Forum: www.pipercubforum.com
In Search of Lost Time: www.readingproust.com