Possibly the stupidest idea ever...

I thought we were talking about insurance in general, and my comments
addressed several aspects of insurance.

That said, I've think made my point and don't see much use in arguing with
you. We can simply agree to disagree.

KB


"Bill Denton" wrote in message
...
If you are seeing an exclusion like "not routinely operated off of unpaved
surfaces" you are looking at a hull damage policy, not a liability policy.
May I suggest you take a look at your liability policy, as that is what is
being discussed?

"Kyle Boatright" wrote in message
...
Bill,

Read Alexy's post. It does an excellent job of filling in what I left
unsaid, because I thought it was apparent. I'll add a few more notes
inside
your post...

KB

"Bill Denton" wrote in message
...
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. And in the
GA
world, it will frequently include such things as aerobatics and
formation
flying.

Yep, my note said "something not prohibited by insurance." I think that
covers it, although I've never seen a policy that prohibits formation
flight
or aerobatics (presuming the aircraft has the proper certification). If
you
have, where/who/what insurance company? I believe the most common
exclusion
is related to named pilots or pilots with X time in type. I've seen that
one
a few times. Also, my current policy says something to the effect of
"not
routinely operated off of unpaved surfaces". That doesn't mean "can't
land
on a grass strip", but I'd certainly be outside the restrictions of my
policy if I was based at a grass field. If I was based at a grass strip
and
pranged the airplane, it is conceivable that the insurance company could
refuse to pay.



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.

If you drive your car 100 mph on the wrong side of the road and kill
someone, your insurance pays. Airplane insurance is more or less the
same.
The two fundamental assumptions (less exclusions) in any insurance
contract
are 1) You will try to prevent accidents. 2) If/when you have one, the
insurance company will pay.



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?

Read the NTSB reports. 90% of 'em are pilot error and the insurance
company
pays up. Nobody plans to screw up, but it happens. That's why we buy
insurance. Who'd buy insurance if the insurance company wouldn't pay
when
someone screws up?



And just because something is legal doesn't mean your insuror has to
pay
if
you found liable in an accident.

And given the judgment you've shown in this post, "what YOU deem safe"
scares the **** out of me.

This is getting awfully close to a personal attack, so take it
careful...
I
deem it safe (or unsafe) every time I open the hangar doors. Sometimes
I
fly, sometimes I don't. I'm not averse to cancelling a trip if I don't
like
it. I've done it more than a few times. Also, I'm not averse to flying
in
MVFR or when the FSS says "VFR not recommended", if I judge it to be
safe.
That's the responsiblitiy of the pilot - to use his or her judgement to
make
the right choices - go/no go, over/under, 3 point/wheel, slips
with/without
flaps. You get the idea. Bottom line, every time you leave the ground
in
an airplane, there is some risk. It is up to the pilot to minimize
those
risks by flying in a manner and in conditions that are within the
capabilities of the pilot/airplane combination.





"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