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Date: 07/15/99 Newsletter No. 11
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Concept: This newsletter is about presenting information on a
wide range of aviation subjects of interest to pilots and/or
aircraft owners. The author has been a pilot for thirty years
with a wide range of flying experience. The author has also
sold General Aviation aircraft for over twenty three years.
Roger W. Carpenter 1901157 ATP, CFI/II (not current), AGI, IGI.
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Published Twice Monthly.
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Suggestions and constructive criticisms are eagerly invited.
Readers are invited to submit questions on any aviation subject
near and dear to their heart. We will do our best to come up
with intelligent answers. Hopefully other readers will help out.
Also, I hope that readers will submit articles for publication
in this newsletter.
Take Notice:
** BEST weather service on market. Great new provider on the Web.
<http://weathertap.com> or 1-800-337-5263. I checked it out and
for less than $6.00 a month, you get the FASTEST weather on the
web. Great graphics, maps and forecasts etc. The same data
furnished to the FAA with no delays. Check it out.
*** 13th Annual Family Fly-In & Aviation Safety Conference.
July 16-18, 1999 @ the West Yellowstone Airport, Montana.
Receive 3 free hours of dual in the "Wings" program.
For information call
John Goostrey 1-800-453-0001 eXt 225
Jim Cooney 1-800-457-9917 ext 22
Reservations 1-800-646-7365
Car Rental - 1-800-331-1212
Motel Reservations - 1-800-646-7365
Volunteer Flight Instructors needed.
Will have major presence of the EAA and kit plane manufacturers.
Keynote speaker - Dave Morss, free lance test pilot.
Fly in and camp if you like. (I heard the bears knock before
they come in your tent)
SOUNDS LIKE FUN!! (They're asking everyone to pre-register for
planning purposes. No obligation)
***SPECIAL NOTICE***
Below is a letter from a fellow pilot that has a particular
problem. Please read it and if anyone can help Tim, as a
fellow Vietnam vet, I would be grateful. His Email adress is
below.
I just know that I saw a Cessna P-210 several years ago that
was rigged for use by a man who was paralyzed from the waist
down. I'm trying to run this down. Roger
"DEAR FRIENDS:
MY NAME IS TIM LEROY. I AM A MARYLAND RESIDENT AND HAVE BEEN
FLYING SINGLE ENGINE AIRCRAFT FOR "OFF & ON" SEVERAL YEARS. LAST
YEAR I LOST MY LEFT LEG ABOVE THE KNEE. IT WAS A RESULT OF WOUNDS
SUSTAINED WHILE DOING MY TOUR IN VIETNAM. "IT-DON'T-MEAN-A-THING"
WITH THE LEG WENT MY CHANCE TO BE FREE. THE FREEDOM ONLY FLIGHT
CAN GIVE. ALL PILOTS KNOW THAT THE LEFT RUDDER IS NEEDED MAINLY
IN TAKEOFF'S AND LANDING. I'M NOT WRITING THIS OUT OF PITY FOR
MYSELF OR FOR ANYONE ELSE. I KNOW THAT I'LL NEVER PASS A FLIGHT
PHYSICAL, I GUESS I'M GROUNDED. MAYBE THERE'S SOMEONE OUT THERE
WHO MIGHT HAVE AN IDEA FOR ME TO TRY. THEY HAVE TRIED TO FIT ME
WITH A PROSTATIC LIMB BUT THERE'S NOT ENOUGH OF MY LEG LEFT TO
MAKE IT WORK. ANYWAY I'LL JUST KEEP ASKING QUESTIONS. THANKS,
TIM LEROY.
IF MAYBE SOMEONE HAS A SUGGESTION PLEASE FEEL FREE TO CONTACT ME
AT TLEROY8837@AOL.COM"
Feature Article:
Another opinion.
In a previous article I expressed my opinion on the necessity of
purchasing renter's insurance. Basically I feel that personal
renter's insurance **when renting from a legitimate commercial operation** is redundant. I
also stated I have never heard of an example of a commerical operator's insurance company
"subrogating" against a renter pilot. However, I did state that a pilot should
contact the insurance carrier to VERIFY coverage when flying as
pilot in command of a privately owned aircraft. Ask for a fax
of the policy. If in doubt, buy coverage or don't fly.
I did have a reader write and express a different opinion. He
basically felt that renter pilots should always carry renter's
insurance. I said "fine" if money is no object.
In the spirit of fairness, I am enclosing a copy of an article
in a recent issue of AOPA Pilot. I feel the article is little
more than a commerical for APOA insurance, but judge for
yourself. (I still want to see an example of subrogation against
a renter pilot before I admit error).
AOPA Pilot article in July 1999 issue.
DON'T FLY
WITHOUT IT
Why renter's insurance
should be a preflight requirement
BY JULIE SUMMERS WALKER
It's that time of year when vacation spots such as the beach and
the mountains sing their siren song. If you're scheduling a
flying vacation this year and plan to rent an airplane from
either your local FBO or an airport at your destination, or to
borrow a friend's aircraft, remember the one thing that most
pilots forget to pack - renter's insurance.
"Most pilots who rent believe that they are covered under the
FBO's insurance," states Kathy Minner, an AOPA aviation technical specialist on the
AOPA Pilot Assistance Hotline. "Simply put,
they're usually not." And this applies across the board to
veteran pilots as well as new and student pilots.
According to Minner, in most cases the FBO's insurance is
protection for the FBO, not for the renter pilot. In other words,
if you have an accident, the FBO has insurance to cover its
airplane, not you. Your individual medical insurance may cover
you for any bodily harm that you may suffer. But if you have
substantially damaged the rented airplane, the FBO's insurance
company has a right to subrogate or claim against a third party
that caused the damage - that's you, the renter pilot.
"When you rent-or even borrow-an aircraft, you may not be insured against claims for
injuries to passengers or others arising from
your operation of the aircraft, and chances are that you are not insured against claims
for damage to the aircraft itself," says
John S. Yodice, legal counsel for AOPA. "What aggravates the
problem is that many renter pilots are not aware of this
situation, and they don't become aware of it until there is a
claim. At that point the problem becomes a personal crisis."
Another good reason for having nonowner's insurance would be for additional liability
coverage if the liability on your friend's
policy is not adequate or if he or she doesn't carry any
liability insurance at all. Remember to add aircraft damage
liability to your nonowner's policy because you may be held liable
for the costs of repairs if you damage your friend's aircraft.
Paul Smith, an AOPA aviation technical specialist and a CFI,
counsels callers to AOPA's Pilot Assistance Hotline and his
students to obtain renter's insurance. "Unfortunately, when you
are not used to flying a certain airplane, something such as a
hard landing can result in anything from a bruised ego to
substantial damage in a heartbeat," said Smith. "If you aren't prepared to buy
the owner another airplane, it's best to protect yourself."
Smith's student Virginia Yatsko, AOPA 1358644, a 33-year-old
student pilot from Frederick, Maryland, has been working on her private pilot certificate
for a little more than a year. Before
training with Smith, Yatsko had soloed but was not covered under renter's insurance.
"When I started flying with Paul, he
indicated to me that insurance was my responsibility," said
Yatsko. "My father is a private pilot, and he had also told me
that I needed renter's insurance."
A call to the AOPA Pilot Assistance Hotline will give you the
answers that you need to know for renting during your vacation
flying. An aviation technical specialist will answer your
questions concerning nonowner insurance and send to you a copy of AOPA's Pilots' Guide to
Insurance: Renters, Aircraft Hull, and Liability, which outlines the need for nonowner
insurance,
answers the most frequently asked questions on insurance, and
provides a checklist for insurance shopping. Information is also available on the AOPA Web
site (www.aopa.org/members/files/guides/rentins.html)
Renters' insurance is offered by a small number of insurance companies. AOPA is the leader
in nonowner insurance, having
created the AOPA Personal Nonowned Aircraft Insurance Program
in 1993. This program provides comprehensive liability coverage
that protects you against common bodily injury and property
damage arising from your use of borrowed or rented aircraft and
pays your legal defense costs in the event that you are sued.
Full family coverage without sublimits and AOPA's per passenger
limit options offer superior coverage. Information on AOPA
aircraft insurance for renters may be obtained by calling
800/622-AOPA or is available on the Web site
(www.aopa.org.info/certified/ia-rent.html).
As an AOPA member, you have access to the best source anywhere
for information and answers for pilots. The AOPA Pilot Assistance Hotline gives you direct
access to specialists in every area of aviation. The hotline, 800/USA-AOPA (800/872-2672),
is available
to members from 8:30 a.m. to 6 p.m. Eastern time, Monday through Friday. Information is
also available on the Web (www. aopa.org)
and through the AOPA AvFax fax-on-demand system (800/462-8329).
AOPA PILOT 22 JULY 1999
If any reader has some first hand knowledge or experience about
this renter insurance issue, please email me. Roger
Other Information:
For a current listing of General Aviation aircraft for sale by
The R.W. Carpenter Company, go to
<a href="http://aircraft-airplanes.com">Visit Web site </a> or
http://aircraft-airplanes.com depending on browser.
In addition, I often recommend, what I feel to be the best book
ever written about flying an airplane, "Stick and Rudder" by
Wolfgang Langewiesche. I sincerely believe that every pilot
should read this "bible" at least twice. It WILL make you a
better pilot because it discusses flying an airplane from the
WYSIWYG perceptions a pilot receives. If you would like to order
it on-line or any of a million other books from Amazon click on
<http://aircraft-airplanes.com/mainpage.html> Great Discounts.
FREE service to my readers: If you would like a "book" appraisal
on an airplane, fill out the info sheet at my web site. Click on
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click on the "submit" key. I'll get back to you.
NEW page at my Web Site. "Cost of Operation" analysis form.
Nothing fancy but it might give you some ideas for planning
purposes. http://aircraft-airplanes.com/cost_of_operation.htm
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