"Gary L. Drescher" wrote:

If the source of the
(mis)information were actuarial as Ron speculated, it could still take
account of all pilots--insurance actuaries don't just look at the data for
the insured.

Yes, they do. The only thing that matters to an insurance company is the amount
of claims per pilot. If you don't carry insurance, you are off their radar.

George Patterson
To a pilot, altitude is like money - it is possible that having too much
could prove embarassing, but having too little is always fatal.