So basically the concers are overblown.

There are a few rare cases where claims were denied due to
airworthiness issues, but these were egregious situations - flight out
of annual, major AD's not complied with that contributed to the
accident, and in the case of experimentals major alteration made
without the required FAA approval and recertification (no longer
required). I really would not worry about a Radio Shack PTT switch in
your Archer causing you to lose insurance coverage.

Michael

So common sense prevails. Good.

I haven't known anyone that had an aircraft insurance claim and
aircraft insurance is sure different that auto.

I've talked to agents and they say don't worry. But that is sorta like
the answer to the question "Will you respect me in the morning?" We
know what the answer will be tonight but it may just be different in
the morning!

Chuck