"Danny Dot" wrote in message
...
If the engine has just done something nasty like throw a rod, the best
thing financially is to have an off field landing and total the plane. If
you land on a runway without damage, the insurance company pays nothing.

If you land on the runway without damage, what would there be for the
insurance company to pay?

I don't know about you, but my insurance policy doesn't distinguish between
accidents that occur off-airport and on-airport (well, other than a
different deductible depending on whether the airplane is in-motion and/or
moored). Even if damage *did* occur, the question of landing on a runway
versus not is irrelevant. It would be pretty foolish for a person to buy an
insurance policy that encourages a less-safe decision.

But your comment about landing on a runway *without* damage is just silly.
Of *course* the insurance company would pay nothing if there was no damage.
I have no damage every time I go flying (so far ), and every single time,
my insurance company refuses to pay. Oddly enough, I don't have any problem
with this.

Pete