Tag Archives: Aircraft insurance

What is Liability Insurance?

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Confused about what liability insurance is?

Aviation liability insurance is pretty confusing. Actually not just aviation insurance, all insurance can be confusing.  So i thought id share a little bit of information.

Typically, liability coverage, in an aviation insurance policy, will be for property damage and bodily injury.  The following definitions were taken from various policies and simplified as best as possible.

“Property damage” means any physical damage to “tangible” property.  This coverage does not cover the aircraft itself, any of your own property or property that you are in charge of.  This is just for the property belonging to others that was damaged by the accident.

Liability also covers “bodily injury”, which is pretty simple.  This means the physical (bodily) injury to or the death of a person.

There is another coverage included or added.  This coverage is called medical payment (med pay).  This is the amount that the insurance company will pay for a persons immediate medical expense such as an ambulance ride after the accident, emergency room visit, etc. This coverage is usually in amounts such as $1,000, $5,000 or maybe $10,000.

Here is a quick video rundown of liability in aircraft insurance.  Hopefully it will help clear a few things up. If not or you have more questions feel free to contact me.

youtu.be/ubnnZsz1f-U

Cessna 182, good for low time pilot?

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Cessna 182, good for low time pilot?

cessna 182

Recently I had a call asking “should a low time pilot buy a Cessna 182”?  The caller was concerned because they only had 75 hours total time and all of that was in a Cessna 172. On top of that, they had a chance to buy a Cessna 182 that has very low time and is a clean airplane, should they be concerned about their low total time when moving up to a 182?

My quick thoughts. The Cessna 182 is a great aircraft. It offers an excellent platform for instrument (IFR) training, is a respectable cross country aircraft and is reasonably cost effective to operate. As a private pilot, your first year will be a little more expensive to insure because of your low hours, but that’s about it.  Yes, it does cost slightly more to maintain than a Cessna 172, but the difference is slight, mainly in the fuel burn and engine costs.  The Continental six-cylinder, 470 engine (or the Lycoming 540 in the new models) are very reliable engines.  Parts are in supply, aftermarket items and service is available almost anywhere you can fly to.

About the only thing that seems to bother the 182 are the fuel bladders in the pre-1979 aircraft and the nose gear impacts that low time pilots inflict during training. The 182 gets quite a few hard landings on the nose, typically when they are full of fuel and lightly loaded with passengers and baggage.  A pilot tends to run out of elevator in the flare a little higher than they should and drop them on the nose.  Nothing that cannot be corrected with a good dose of training at different loads.

As with any other aircraft, a good pre-buy inspection for damage history, corrosion and maintenance should be done before the purchase.  Also line up an instructor that has a fair amount of time in the Cessna 182 and they can show you how well the aircraft can really perform. Oh, and if you are used to the Cessna 172, the 182 will just require more arm muscles in the flare.  The heavy control pressure will be notable for the first few hours, after that, it’s a typical Cessna!

75TH ANNIVERSARY – END OF WORLD WAR II

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HUGE FLYING DEMONSTRATIONS FOR 75TH ANNIVERSARY OF WORLD WAR II’s END AT EAA AIRVENTURE OSHKOSH 2020

Comprehensive, chronological World War II aviation highlights throughout week

EAA AVIATION CENTER, OSHKOSH, Wisconsin — (December 19, 2019) — EAA AirVenture Oshkosh 2020 will feature expanded warbird flying activities as the annual Experimental Aircraft Association fly-in convention commemorates the 75th anniversary of the end of World War II. The 68th annual EAA fly-in convention takes place July 20-26 at Wittman Regional Airport in Oshkosh.

EAA AirVenture will tell the many aviation stories of The Greatest Generation and the worldwide conflict during its renowned afternoon air shows. It will feature flying displays and groups that are favorites for EAA audiences. Highlighting the weeklong commemoration will be major air show flying activities on Wednesday, July 22, and Friday and Saturday, July 24-25.

“Marking the 75th anniversary of the end of World War II and telling all the aviation stories involved is a mammoth task,” said Rick Larsen, EAA’s vice president of programs, publications, and marketing, who coordinates AirVenture features and attractions. “Our goal is to create the go-to event that properly commemorates the aviation story of World War II, from the Eagle Squadrons and American Volunteer Groups through the final Allied victories in 1945.”

Specific aircraft and flying demonstrations are still being finalized for EAA AirVenture 2020, but will feature aircraft from both the European and Pacific Theaters. Additional highlights will tell the stories of remarkable heroism and pioneering technology that changed the course of the war. Further details on individual highlights and aircraft will be announced as they are finalized.

About EAA AirVenture Oshkosh

EAA AirVenture Oshkosh is “The World’s Greatest Aviation Celebration” and EAA’s yearly membership convention. Additional EAA AirVenture information, including advance ticket and camping purchase, is available online at www.eaa.org/airventure. EAA members receive the lowest prices on admission rates and all those age 18-and-under are admitted free. For more information on EAA and its programs, call 1-800-JOIN-EAA (1-800-564-6322) or visit www.eaa.org. Immediate news is available at www.twitter.com/EAA.