Stewart Kissel wrote in message ...
Gee,

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

When you haven't done what you are supposed to: current BFR and annual
inspection.

IMPORTANT:

The A/P who signs off on the annual MUST be registered and current.
Most of us assume that the guy in the shop has done all of the
necessary paperwork, but when was the last time you actually checked
the guy's credentials? Probably never. Well, if he is faking it your
insurance company can (and probably will) deny the claim. You can
check his credentials with the FAA. The same thing goes for the CFIG
who signs off on your BFR.
If you think that you can claim ignorance or "acting in good faith",
well you can forget it. This falls into you either comply or you
don't. Period. Of course, you can always gamble that your insurance
company won't catch it. In this case: GOOD LUCK! You can always sue
the offending A/P or instructor, but the odds on this tactic are poor
at best.

Tom Seim
Richland, WA