In article ,
"Tri-Pacer" wrote:

Recently a thread was posted concerning a "smooth insurance policy"

What is a "smooth policy"

Thanks

Paul
N1431A


Personally, I don't think that a $1M smooth policy really buys you much
additional risk protection over the per-seat sub-limits. In my case it
makes even less sense, as I rarely ever carry passengers, other than my
wife.

Note also that some policies specify PER SEAT sub-limits, and other
policies specify PER PERSON sub-limits. The former places compensation
limits on the passengers, while the latter places compensation limits on
everyone, including people on the ground.

I suspect that if you routinely carry passengers, and have substantial
assets, a higher-value "smooth" policy might make more sense. In my
opinion, the $1M smooth is little more than a "feel good" policy for
most people.



JKG