Stewart Kissel wrote:
Gee,

Since my(our) premiums pay for these claims, when
does the insurance company not have to pay?

Most of us buy insurance to protect us from accidents, including ones we
contribute to, and the policies I've bought (generally from the SSA
insurer) do this.

The insurance company lays out the things they will not pay for in the
policy; generally, this would include things like fraud, a non-covered
pilot flying the glider, non-payment of the premium, deliberate damage
by the policy holder, and probably things like acts of war and perhaps
radioactive contamination, but it's been a while since I studied my policy.

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Eric Greenwell
Washington State
USA