Possibly the stupidest idea ever...

"Bill Denton" wrote:

Sorry, but you are just totally wrong!

Every insurance policy I have ever read has a section called something like
"Limitations And Exclusions". It's a list of activities that if engaged in,
the insurance policy is null and void; they will not pay.

Bill, reread Kyle's post. I understood his "something not prohibited
by their insurance" as meaning that it was not in the "limitations and
Exclusions" section. And such exclusions cannot just be "the insured
did something dumb", or carriers would never pay.

And in the GA
world, it will frequently include such things as aerobatics and formation
flying.
If it does, then it would not be the case that Kyle is talking about.
I doubt that he would suggest that the carrier would have to pay off
if the pilot were doing something excluded in the policy, which is why
he said what he did.

And I don't know who you think it is that decides whether an insurance
company pays a claim or not, but it is, in fact, the insurance company. If
you think they wrongly refused to pay you can sue them and take them to
court, but you will probably lose.
Your state insurance commissioner would be a better first step. You
will probably lose if you are doing something prohibited in the
policy, but not if the claim should be paid.

And what do you think happens if you are judged at fault in an accident and
your insurance doesn't pay? In most jurisdictions the injured party can take
your house, your car(s), your business (if you have one), and they can place
a judgment on your wages. How long do you think it would take you to pay off
five or ten million dollars?

And just because something is legal doesn't mean your insuror has to pay if
you found liable in an accident.
Absolutely. that's why the phrase "not prohibited under your insurance
policy" is key.

And given the judgment you've shown in this post, "what YOU deem safe"
scares the **** out of me.
I fail to see where he has shown poor judgement. But the person who
proposed to fly formation w/o training certainly did show poor
judgement.


"Kyle Boatright" wrote in message
...
Let's see... Pilots are doing something legal, something not prohibited by
their insurance, and the insurance company has the authority to decide
whether or not to pay if there is a claim? Nope. The insurance pays.
Usually, they pay even if the pilot(s) were doing something illegal or
stupid.

Don't let fear of insurance companies prohibit you from doing things that
are legal and that you deem safe.

KB


"Bill Denton" wrote in message
...
Maybe so, but if something goes wrong, it's the insurance company that
decides if they're going to pay for it...



"Kyle Boatright" wrote in message
...
I hate when people say "check with the insurance company". Hell, if
they
had their way, you'd never leave the ground except that one day a
year
when
the visibility was perfect and the winds were forecast to be zero,
and..
oh,
by the way, they'd prefer you have a CFII in the right seat.

Beyond the FAR's and club rules, the PILOT(s) decide when and where
formation flight is appropriate.

KB


"Geoffrey Barnes" wrote in message
ink.net...
Check with your insurance company. They almost certainly won't
cover
anything even remotely close to formation flight. Then just tell
this
guy
that the insurance company said "no". That should solve your
problem,
without any need to pass a by-law.


---
Outgoing mail is certified Virus Free.
Checked by AVG anti-virus system (http://www.grisoft.com).
Version: 6.0.742 / Virus Database: 495 - Release Date: 8/19/2004










--
Alex
Make the obvious change in the return address to reply by email.