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#11
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GA bias in "general" insurance?
"Matt Whiting" wrote in message ... No, what is a cemetary? Matt That must be where they bury the survivors. |
#12
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GA bias in "general" insurance?
Motorcycles, I think they would be the exclusion. Has to be more dangerous
than GA. |
#13
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GA bias in "general" insurance?
Judah writes:
Absolutely 100% INCORRECT. Yes, sir! Interestingly enough, he said that in his experience, it was more likely to find insurance companies that would exclude a Commercial Pilot than a Recreational Pilot. He believed that even Airline Pilots would be included in the category of Commercial Pilot. Commercial pilots are safer per hour, but they fly more hours. It was not clear which category Sim Pilots fall into. An advantage of simulators is that they have virtually no risks associated with them. If you have any conversations with experts in the insurance industry that you would like to share to back up your statements, I would be most interested in hearing about them. I used to work in the industry, so I didn't need to look for expert conversations. -- Transpose mxsmanic and gmail to reach me by e-mail. |
#14
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GA bias in "general" insurance?
Jay Honeck writes:
Why? Wealthy people are more likely to buy their own aircraft, or to fly in general aviation (as passengers or crew). GA is a rich man's hobby, and some wealthy people depend on GA for personal transportation. Are you saying that there are a lot of dead pilots? More than there should be, at least in general aviation. -- Transpose mxsmanic and gmail to reach me by e-mail. |
#15
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GA bias in "general" insurance?
I'm pretty sure they're about the same risk.
mike "Aluckyguess" wrote in message news Motorcycles, I think they would be the exclusion. Has to be more dangerous than GA. |
#16
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GA bias in "general" insurance?
V35 Bonanza, AKA Forked-Tailed Doctor Killer, reflects on
doctors on lawyers. Motorcycles, mostly crotch rockets/races.choppers AKA Donor cycles Some people are careful and can operate motorcycles and airplanes for decades with nothing serious. Some people are over confident and fail to take reasonable precautions in unfamiliar circumstances. Consider if the CFI who was flying with Casey Lidle had taken the time to learn the NYC area, visited facilities, taken a training flight himself, they might both be alive today. If Casey had not put his full faith and trust in the CFI, but exercised his own PIC caution and done those things himself, ditto. "mike regish" wrote in message . .. | I'm pretty sure they're about the same risk. | | mike | | "Aluckyguess" wrote in message | news | Motorcycles, I think they would be the exclusion. Has to be more dangerous | than GA. | | | |
#17
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GA bias in "general" insurance?
Are you saying that there are a lot of dead pilots?
More than there should be, at least in general aviation. And this is based on...what? Flying light airplanes carries about the same risk as riding a motorcycle, statistically. I don't see any insurance companies that exclude motorcycle riding, although I suppose they may exist. As with riding, when flying you can make things MUCH safer by taking a few relatively easy steps. Or are you saying that rich people who use GA for transportation are, to a large degree, doofuses, along the lines of the legendary overworked Bonanza-pilot-doctors (thus the nick-name, "Fork-Tailed-Doctor-Killer") who used to kill themselves with alarming regularity? (In case you didn't know, Bonanzas were the original Cirrus, meaning that wealthy, busy, high-powered professionals often bought them, flew them too little, but often under tight schedules. This occasionally got them in deep doo-doo when they flew into conditions that exceeded their limited skills under the reasoning that they "had" to make that meeting.) Personally, I don't think GA flying is prohibitively dangerous, or I certainly wouldn't have put my family in the plane over 600 times. You've just got to be vigilant and careful at all times. -- Jay Honeck Iowa City, IA Pathfinder N56993 www.AlexisParkInn.com "Your Aviation Destination" |
#18
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GA bias in "general" insurance?
Greg Farris wrote:
Received yet another mailing offer for disability insurance - from a reputable company, ready to pay a $250-500K indemnity for complete disability. I'll say again, I've never seen a GA exclusion on any insurance that I have. Group life and AD&D insurance through work even covers me if I am instructing. Just for kicks, I looked into extra life insurance with USAA a while back, and they don't have an exclusion either. It seems that you're looking in the wrong places. |
#19
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GA bias in "general" insurance?
Jay Honeck writes:
And this is based on...what? The relatively high risk of GA, compared to commercial airlines. Flying light airplanes carries about the same risk as riding a motorcycle, statistically. Riding a motorcycle is pretty risky. As with riding, when flying you can make things MUCH safer by taking a few relatively easy steps. Yes, but the insurance company cannot be sure that you will take those steps. And many people obviously don't, whence the high accident rates. Or are you saying that rich people who use GA for transportation are, to a large degree, doofuses, along the lines of the legendary overworked Bonanza-pilot-doctors (thus the nick-name, "Fork-Tailed-Doctor-Killer") who used to kill themselves with alarming regularity? No. Rich people aren't any less intelligent than poor people. However, having money provides access to general aviation, irrespective of intelligence, so stupid rich people are more able to fly than stupid poor people. Thus, one may encounter lots of stupid, rich pilots. In case you didn't know, Bonanzas were the original Cirrus, meaning that wealthy, busy, high-powered professionals often bought them, flew them too little, but often under tight schedules. This occasionally got them in deep doo-doo when they flew into conditions that exceeded their limited skills under the reasoning that they "had" to make that meeting. And in so doing they skewed the safety statistics for general aviation. People like Cory Lidle, John Denver, and John F. Kennedy, Jr., are still doing that today. Personally, I don't think GA flying is prohibitively dangerous, or I certainly wouldn't have put my family in the plane over 600 times. You've just got to be vigilant and careful at all times. I agree. Take good care of your plane and good care of yourself, and be careful and cautious even when it's inconvenient, and the risk of flying will be very low indeed. Under such conditions I certainly wouldn't hesitate to put my family in a plane. But careless pilots flying ill-maintained aircraft are just asking for trouble. I think one big part of it is that, in general aviation, you cannot simply jump into the plane and fly whenever you wish ... not if you want to be safe, at least. If the weather is unsuitable, or if there's any problem with the aircraft, you have to wait. But some people don't like to wait. -- Transpose mxsmanic and gmail to reach me by e-mail. |
#20
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GA bias in "general" insurance?
Mxsmanic wrote in
: Commercial pilots are safer per hour, but they fly more hours. Do you mean Commercial GA Pilots fly more hours than Airline Pilots? An advantage of simulators is that they have virtually no risks associated with them. Obesity? Obesity holds a much higher risk than flying, even according to the insurance underwriters. I used to work in the industry, so I didn't need to look for expert conversations. Were you an Underwriter or an Actuary? I used to work in the industry, too. That's how I know the experts that I asked. If you used to work in the industry, certainly there is someone you could ask who might be able to provide you a legitimate answer based on factual information, instead of forming opinions based on your own limited experience. |
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