Renter Insurance

On Wed, 13 Jul 2005 17:48:00 GMT, "Mortimer Schnerd, RN"
wrote:

I resent your implication that this is in some way dishonorable.

Then I'll make it a flat statement: you are lacking in integrity if
you knowingly go uninsured and are unable to pay any potential bill
for damages.



-- all the best, Dan Ford

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Cub Driver wrote:
Then I'll make it a flat statement: you are lacking in integrity if
you knowingly go uninsured and are unable to pay any potential bill
for damages.


Well, I paid the ****ing deductible without whining. Does that count? If the
FBO doesn't ask me to carry insurance and in fact tells me my liability is
limited to the deductible and I can and do pay that deductible, I fail to see
any further liability. You may kiss my ass now.



--
Mortimer Schnerd, RN

VE

"Mortimer Schnerd, RN" wrote in message

FBO doesn't ask me to carry insurance and in fact tells me my liability is
limited to the deductible and I can and do pay that deductible, I fail to
see any further liability.

My comment here is not judgmental but rather practical.

I think the main risk to a renter without renter's insurance is not hull
damage but rather a claim for liability, i.e. damage to 3rd party property
or person. The FBO's insurance may very well only cover the FBO. If you
were to injure someone or damage someone else's plane or property, it is
quite possible the FBO's insurer would hire a lawyer to defend the FBO and
in turn put the blame on you. You would not only be lacking insurance
coverage to pay damage but also would need to pay for a lawyer out of your
own pocket to defend you in court.

Even if you do not have substantial assets, an obvious licensed profession
linkable to a revenue stream is all it takes to get a judgement in the form
of a lien against payroll.

--------------------
Richard Kaplan

www.flyimc.com

On Thu, 14 Jul 2005 13:41:35 -0400, "Richard Kaplan"
wrote:

If you
were to injure someone or damage someone else's plane or property, it is
quite possible the FBO's insurer would hire a lawyer to defend the FBO and
in turn put the blame on you

And of course the injured party's attorney would add your name to the
list of defendants.


-- all the best, Dan Ford

email (put Cubdriver in subject line)

Warbird's Forum: www.warbirdforum.com
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the blog: www.danford.net
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On Thu, 14 Jul 2005 17:32:58 GMT, "Mortimer Schnerd, RN"
wrote:

Well, I paid the ****ing deductible without whining. Does that count?

Well, it's certainly a good start!

But what if you took the arm off the gas jockey by taxiing into him?
Do you have a way of reimbursing him for his diminished capabilities
for the rest of his life, perhaps 70 years?

We carry insurance for events that are devastating, either to us or to
someone else. Paying the FBO's deductible isn't an insurance matter;
it's a financing matter. You could borrow the money from your brother,
if need be. But if buying a whole new Cessna would really crimp your
lifestyle, then you should be insured for that. And if buying the gas
jockey a new way of life is beyond your credit card limit, you damned
well should be insured for that.



-- all the best, Dan Ford

email (put Cubdriver in subject line)

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