"G.R. Patterson III" wrote in message

'Cause I pay my rates and I have no accident record whatsoever.

Well, if you pay the rates, then it's hardly your employer's insurance
policy, then,
is it. If you pay the rates, then you can buy a policy that doesn't
exclude damage
when you're flying.

*sigh*

Sheesh. I'll be glad to FAX you the policy if you're that interested. I
get a 30% discount through the employer but, yes, I pay the rates. I
cannot presently afford to get my own policy because I work 30 hours a week,
I'm going to instrument and commercial flight school, and my wife is getting
laid off in three weeks.

-c