Quote Originally Posted by alexM View Post
How much liability did the insurance company pay out for your incident?

If the answer is $0.00 then getting liability shouldn't be that hard.
They paid zero in liability, but let me tell you, nothing makes sense about the industry right now. None of the underwriters would even quote a liability-only policy for the plane - not even while it's not in motion. They wouldn't even quote a liability policy for my hangar. None of this makes any sense. The agents said right now ANY loss history makes you completely untouchable for two years. The only motivation I can think of for why this is the case is that the carriers want to make it as painful as possible to make a claim in order to discourage pilots from making claims for covered losses. I'm not suggesting there should be no consequence. It would make sense to require additional training, charge higher premiums, and/or to put more specific operational restrictions in place. Completely shutting pilots out who have made one claim in 25 years is purely punitive. Fortunately, Travers found a carrier willing to be reasonable.

I would keep this in mind when shopping. Knowing that the potential consequence of a claim is to be uninsurable for two years makes any discussion of deductibles meaningless. They will all by lower than the point at which it's worth it to make a claim.