"Richard Kaplan" wrote in message
s.com...
It depends how it is deployed. Suppose a Cirrus pilot panicks in VFR on
top
of an overcast an pulls the chute when he could have done a successful ASR
approach or VFR weather were within range?

What's that got to do with anything? Until you demonstrate that a
significant number of deployments will fall into that category, it's
irrelevant. A simple possibility is insufficient.

Furthermore, your example is pretty odd too. A pilot who is qualified to
fly an ASR approach is unlikely to use the parachute, and one who is
unqualified to is better off using the parachute. Similarly, if VFR weather
is within range, and the pilot knows about it, I can't imagine he'd use the
parachute; conversely, if he doesn't know about it, it doesn't matter WHERE
the VFR weather is.

The presence or absence of a parachute is completely irrelevant to your
examples, even if one acknowledges a pilot might use the BRS in a situation
where damage to the airframe could have been avoided.

Hull insurance is more expensive than liability insurance for a Cirrus
(and
just about all airplanes worth $150K+), so I do not think the medical
expenses or death liability are much of a factor.

Again, you are ignoring statistics, and looking only at single incidents.
The reason that liability insurance is less expensive is not that the
payouts are smaller. It's that they are less frequent. More importantly,
the BRS is likely to only be used when medical or death payouts are nearly
guaranteed, and in those situations, I assure the insurance company would
rather pay for the airframe.

Pete