AOPA Pilot Magazine - November 2018 - 102

NEWS & NOTES

MEMBER PRODUCTS

AOPA INSURANCE |

Know your limits

BY JIM PINEGAR

AOPA Insurance Agency

Liability limits, that is

ONE OF THE BEST MOVIE QUOTES of all
time: "A man's got to know his limitations." That's Clint Eastwood in the Dirty
Harry series of movies, and although not
necessarily aviation-related, that quote is
relevant in many ways. Whether it's knowing and following your personal weather
minimums, following the "IMSAFE"
checklist, or knowing the liability limits
in your insurance policy, every pilot needs
to be aware of his or her, well, limitations.
With aviation insurance, there are
many liability coverages that typically
come included in a policy. A few examples
are personal liability, nonowned hangars,
and passenger luggage, and these "ancillary" coverages typically have their own
limits (so no claiming a $1 million loss for
lost luggage). But the two big points to
focus on are the "each occurrence" and
"per passenger" sublimit, if your policy
has such a sublimit.
The "each occurrence" is straightforward as it covers the named insured to a

maximum of this limit. So, with a $1 million
policy, that $1 million would be split among
all claimants-injured parties both inside
and outside the aircraft and any property
damage. Interesting enough, property damage also includes environmental cleanup.
Think of this limit as the total amount available in your checkbook.
Many pilots also have passenger
sublimits, which in effect reduces the
"checkbook" amount for those inside the
aircraft. With the example of a $1 million
policy with a $100,000 per passenger sublimit, an injured passenger would only
have $100,000 to apply to medical bills,
lost wages, et cetera. So, while passenger
sublimits are very common, consider the
amount of sublimit you select, and I'd recommend inquiring what the price would
be for a higher sublimit. In many cases,
higher sublimits are available for a nominal fee.
Whether you own or rent, AOPA has
the right insurance coverage to fit your

budget and needs. The AOPA Insurance
Agency offers knowledgeable agents who
can talk your language and understand
your unique flying and insurance requirements. Visit www.aopainsurance.org for
more information.

TIPS FROM PIC |

instruction, to include a review of Part 91,
and one hour of flight training with the
maneuvers at the discretion of the instructor. This leaves the door open to cover a
variety of topics in a flight review. Pilots
and their flight instructors should work
together to address the concerns and/or
rusty skills of each pilot. To help pilots and
instructors prepare for and conduct efficient and effective flight reviews, AOPA's
Air Safety Institute has recently published
a new online tool, Focused Flight Review.
This tool provides pilots with six
profiles to choose from. These profiles
cover topics ranging from positive aircraft control to aircraft systems. Each
profile contains resources a pilot can use
to prepare for the flight review, a list of
discussion topics, and a flight profile. All

the content can be downloaded as a PDF
for easy offline use. There's even a page

Pick your profile

Focusing on your flight review
B Y S A R A H S TAU DT

WITH SUMMER BEHIND US and autumn in
full bloom, it's a good time to reflect on the
flight experiences you've had this year. Does
an event or experience stand out as concerning? Perhaps you spent more time in cruise
flight and your landing skills got rusty. Or
you took off only to find that the weather
was worse than what had been reported or
forecast? These types of events are great topics to focus on during your next flight review.
FAR 61.56 requires that a flight review
consist of a minimum of one hour of ground

102 | AOPA PILOT November 2018

JIM PINEGAR is vice president and director

of operations of AOPA Insurance Agency.

www.aopainsurance.org

AOPA FINANCE
Co-ownership and fractional
ownership are often confused, so what's the difference?
Aviation Finance President
Adam Meredith can answer in his
latest column.
https://finance.aopa.org/
resources/2018/september/06/
co-ownership-vs-fractional

Does an event or experience
stand out as concerning?
Perhaps you spent more
time in cruise flight and your
landing skills got rusty.
formatted for a kneeboard to keep you on
track during your flight. Consider having your next flight review be a Focused
Flight Review.
SARAH STAUDT is chief flight instructor for

the AOPA Pilot Information Center.

www.focusedflightreview.org

http://www.aopainsurance.org http://www.aopainsurance.org https://finance.aopa.org/resources/2018/september/06/co-ownership-vs-fractional http://www.focusedflightreview.org

AOPA Pilot Magazine - November 2018

Table of Contents for the Digital Edition of AOPA Pilot Magazine - November 2018