Every place I have rented from has had a policy that lists renters as
primary insured. This means that if I wreck the plane, the insurance company
pays for it, and can't turn around and sue me for the damage. I guess I just
got lucky. Most rental places just have renters listed as qualified pilots,
but only the business is listed as an insured. This means the Insurance
company pays the business for the loss of the plane, but then can turn
around and sue you for the damage. In this case the business usually doesn't
care about what kind of coverage you have because they have their butt
covered either way. It pays to ask the business about their insurance
because it could save you the need to get your own coverage. I would
recommend asking for a copy of the insurance policy. I have always done this
in the past, and the FBOs have been very accommodating.

Of coarse, if you do not get your own insurance because renters are listed
as insured on the FBO's policy, you are relying on the FBO to keep up the
payments, and notify you if the policy is changed or cancelled. I felt
comfortable with this risk, but you may not if your assets are substantial.

"Cub Driver" usenet AT danford DOT net wrote in message
...
On Sat, 06 May 2006 17:58:17 -0700, PA28-181
wrote:

On the Avemco wesite, it refers to "Aircraft Damage Liability (ADL)" -

Your liability for damaging the aircraft you're flying, I assume.

But I've never heard it called that. It's generally known as "hull
insurance."

The airport I rent from requires us to carry $40,000 hull insurance.
Every student must get hull insurance in order to solo.

I carry $1 million liability as well, and I don't carry passengers as
a rule. That's for damage I might do to other people's persons or
property (including the rare passenger).




-- all the best, Dan Ford

email: usenet AT danford DOT net

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