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#11
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No, don't trust the insurance company to interpret FARs. Their insurance
requirements and interpretation are different than those of the FAA, but obviously you will want to ensure compliance of both. For example, I considered renting my plane to a friend to take flying lessons - this is a non-issue as far as the FAA is concerned, but was considered a "commercial" operation by the insurer and required a changes to the policy. "Flighthawk" wrote in message ... You are going to run into some gray legal areas here. In the past some flights like this have been construed by the FAA as part 135 flights, especially if your non-flying friend decides to take another passenger along on the flight who thinks its a charter. The best thing to do is check with your insurance company to make sure. They will make sure everything fits right. Let us know what they say. PD "Stuart King" wrote in message . com... I own my airplane. A friend needs to go somewhere, but is not a pilot. He can legally use my aircraft without me in it if : 1. He hires an appropriately rated commercial pilot...and 2. Pays all "direct" operating costs for the flight (gas, oil, landing fees)...and 3. He does not pay me anything. Yes/No/Other ? Stuart |
#12
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Don't bother asking the insurance companies anything. All they do is repeat
"commercial operations are not covered." Their attitude is "read the f*cking policy" and take your chances in court, if heaven forbid it comes to that. The flack that takes your call has neither the authority nor the knowledge to go beyond that, and this has been drilled into his brain if he has been there longer than a few days. When there is a serious doubt in your mind about coverage, and it is go/no go based on coverage, your only recourse is to ask for a confirmation in writing that the proposed operation is not commercial. Don't be surprised if you get the answer it is commercial and not covered. The additional ins. co. attitude is why should we increase our exposure for no additional money? If we play it conservative and strict, he might not fly and that's one more risk we have avoided. Sorry to rain on the original poster's parade, but I have been down this road several times before, and the ins. cos. are not interested in quality of service and customer satisfaction in a doubtful coverage situation. Example, here in this or maybe the owning news group somebody wanted someone to ferry his plane down to its soon to be new owner in my city. I said I'd do it, just for the fun of it and $150 a day. That $150 would come close to compensating me for my time compared to my day job, but is the going rate for ferry services. But I was not about to do it unless there was insurance coverage. The owner had the usual pleasure and business coverage. Exclusion for transporting people or cargo for hire. Reading the policy, it was not crystal clear that this ferry flight would not be commercial. This was AIG coverage through the AOPA agency. The same company and agent combination that I happen to have had on my plane for years with no claims or issues. I called. The AOPA guy said this is done all the time. I asked him to sign, or get AIG to sign, a simple confirmation letter I faxed him and fax it back. A couple days went by with several follow up calls asking where's my fax? Well turns out that no one at AIG wanted to authorize that letter. Finally I got someone at AIG to say they think this is a commercial operation after all. So the owner ended up getting the plane down here some other way, I guess. "Flighthawk" wrote in message ... You are going to run into some gray legal areas here. In the past some flights like this have been construed by the FAA as part 135 flights, especially if your non-flying friend decides to take another passenger along on the flight who thinks its a charter. The best thing to do is check with your insurance company to make sure. They will make sure everything fits right. Let us know what they say. PD "Stuart King" wrote in message . com... I own my airplane. A friend needs to go somewhere, but is not a pilot. He can legally use my aircraft without me in it if : 1. He hires an appropriately rated commercial pilot...and 2. Pays all "direct" operating costs for the flight (gas, oil, landing fees)...and 3. He does not pay me anything. Yes/No/Other ? Stuart |
#13
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Example, here in this or maybe the owning news group somebody wanted someone to ferry his plane down to its soon to be new owner in my city. I said I'd do it, just for the fun of it and $150 a day. That $150 would come close to compensating me for my time compared to my day job, but is the going rate for ferry services. But I was not about to do it unless there was insurance coverage. The owner had the usual pleasure and business coverage. Exclusion for transporting people or cargo for hire. Reading the policy, it was not crystal clear that this ferry flight would not be commercial. This was AIG coverage through the AOPA agency. The same company and agent combination that I happen to have had on my plane for years with no claims or issues. I called. The AOPA guy said this is done all the time. I asked him to sign, or get AIG to sign, a simple confirmation letter I faxed him and fax it back. A couple days went by with several follow up calls asking where's my fax? Well turns out that no one at AIG wanted to authorize that letter. Finally I got someone at AIG to say they think this is a commercial operation after all. So the owner ended up getting the plane down here some other way, I guess. Another datapoint - I have AIG coverage and they exclude aerial photography. Well, does this mean commercial photography (and its attendant risks) or am I out of luck if some passenger has a camera and takes a picture? My agent said that passengers (or even me) taking pictures is fine - they are after commercial operations (which are excluded anyway). So I asked them to sign off on it. They would not, and the end of it is that AIG says that if there is a camera on board and there is a crash, I'm not covered. Jose -- (for Email, make the obvious changes in my address) |
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