wrote:

Have you ever tried to make a claim in such a case? Trust me... the
insurance companies will use vague terms and take you to the mat and
you'll spend thousands of dollars to get what you thought you were
paying for in coverage.

Coincidentally, I am awaiting a call back today from my insurance broker
about some non-accident related issues.

With this accident in mind, I will pose this scenario to him and ask him,
based on his forty or so years in the aircraft insurance business, whether
the damages in this case would be covered by my policy, had it occurred to
me.

I do agree with you that the details are in the small print, but logically
I am not able to perceive what defense an insurance company would use to
avoid paying this claim.

--
Peter