Mike,

Quite true - you can certainly be underinsured! One way to remedy that
is to buy higher limits, or you can also get an umbrella liability
policy that would cover your home, your car and your plane.

But to me the interesting issue is whether you have insurance coverage
if you violate the FARs. I'm sure that I would be covered, given how my
policy reads, but it's possible that others may have different
language.

Does anyone have an aviation insurance policy that specifically states
that they won't be covered if they are in violation of the FARs?

-John

Mike Schumann wrote:
The other thing to remember is that your insurance coverage has $ limits.
If you engage in activity that makes you liable, and the damage exceeds your
insurance liability limits, you will still be personally on the hook for the
balance. It's not hard to imagine this being a real issue if you are at
18,500 ft without a clearance and get hit by a business jet.