The International Cessna^® 170 Association

Bela I'm also think along your line of thought.

My rule when it comes to these types of things is to buy at least what the industry standard is or what the majority of my pers, who would be the juriors at the trial, would do.

The chances are much better that I never have a claim against me than a claim that grossly exceeds my coverage.

With what I think is reasonable precaution, enjoy life as best you can.

I agree with George. If you buy a 1M/100K policy you are really buying only the 100K under the most common circumstances. The Smooth 1M will cost about $500 more per year. Total premiums of $1200 to $1600 per year, but you get a real insurance policy. Be careful, ask about your policy coverage, buy the best, and go out and ENJOY yourself and your AIRPLANE.

I agree with Bela about taking out 20 kids in a schoolyard. And his philosophy.

An overlooked item in this discussion at least with my Avemco is 1 million property damage. I think the risks of hitting an expensive plane through ground operations can't be ignored. Like you have a bad battery and hand-prop the plane without proper precautions and it gets away and chews up that Gulfstream across the way for example. Or loose it on landing at an airport where as you go off the runway you plow into an expensive airplane taxiing out. There's a lot of these type of accidents where only property is hurt and we all can do stupid things.

Dave

Perhaps the "20 kids" comments became a distraction. I certainly didn't mean it to be so. My point was that insurance is only going to cover the limits of liabilty as stated in the policy/exclusions, and that overall policy price comparisons is not so easily done.
Otherwise, I am appalled at the number of folks who own/operate airplanes without any sense of their responsibility to the rest of the public by operating with no insurance whatsoever. There is more to insurance than self-protection. There is the matter of due diligence and concern for injury to others.