"G.R. Patterson III" wrote in message One other thing. My USAIG policies have all had sub-limits. In other words, while the
total coverage was 1 million, they would not pay 1 million to one of my passengers if
that was the only injury. Many people prefer a "smooth" policy, which is harder to
find.
George,
We are relatively low-time pilots (300hrs). We switched insurance
agency (from AOPA to Wenk Insurance Agency in Illinois) this year in
order to get the smooth $1M coverage. The new policy costs around $200
more and requires annual attendance of Wings Program (which we do
anyway). It is also more restrictive with respect to open pilots (must
be instrument-rated, with at least 500 hrs and minimum 25 hrs in type
- previous policy put no restrictions).

Interestingly enough, it is with the same insurance company, USAIG
which we had before through AOPA. Not sure why AOPA agent did not
offer us this option.

Hai & Rick Longworth