"Stefan" wrote in message
...
There is also a third reason. If I crippled somebody and destroyed his
life, I would be very unhappy of course. But if I were not insured and
could not compensate his "inconvenience" at least to some degree, so that
he not only was crippled, but on top of this also financially ruined, I
would sleep pretty bad for the rest of my life. But maybe this thinking is
too European.

Unfortunately, if the injury is to a passenger, then the insurance policies
available in the US (at least the ones I know of, such as what AOPA offers)
only cover up to $100,000 (per passenger). That won't make much of a dent in
the case of a badly disabling injury.

--Gary