Denny wrote:



We are getting deep into 'what if's', but think it through... The Ins.
Co. says the plane must be kept legally airworthy to be covered for
inflight risk...

As defined by your state. Many, if not most, states will force an
insurer to pay up if there's an accident and the plane is out of annual
if the cause of the accident had nothing to do with the fact the plane
was/was not in annual.