"Mortimer Schnerd, RN" wrote in message

FBO doesn't ask me to carry insurance and in fact tells me my liability is
limited to the deductible and I can and do pay that deductible, I fail to
see any further liability.

My comment here is not judgmental but rather practical.

I think the main risk to a renter without renter's insurance is not hull
damage but rather a claim for liability, i.e. damage to 3rd party property
or person. The FBO's insurance may very well only cover the FBO. If you
were to injure someone or damage someone else's plane or property, it is
quite possible the FBO's insurer would hire a lawyer to defend the FBO and
in turn put the blame on you. You would not only be lacking insurance
coverage to pay damage but also would need to pay for a lawyer out of your
own pocket to defend you in court.

Even if you do not have substantial assets, an obvious licensed profession
linkable to a revenue stream is all it takes to get a judgement in the form
of a lien against payroll.

--------------------
Richard Kaplan

www.flyimc.com