THIS WAS POSTED elsewhere and asked to be moved, so here's a new thread:
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This is huge thread drift, but...
Almost every time you damage your airplane you violated a FAR.
There's no FAR that says you must keep a logbook of every flight, just ones that relate to your privileges (BFR, credit for currency, etc).
When I got insurance once for a club airplane I specifically asked: "What if someone flies it and their medical is expired?" I was told the plane was still covered.
So while they can ask for documents, can they really deny coverage just because a logbook entry was missing? Isn't that like saying your car insurance is void if the registration is lapsed?
Anyone have the language from a policy that makes this level of documentation clearly required for a claim?
[Correct...that is huge thread drift. Please take any replies to these questions to a new thread. Thank you. ; S. Buchanan]
Last edited by Sam Buchanan : Today at 04:20 PM.
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The answer to the question is that it depends on state law. For example, in some states coverage can be denied if you let your medical lapse. In others, they can only deny coverage if your lapsed medical was relevant to the loss. However, in the example discussed here, it was not a "lapsed license"; he never had one. If the application was substantially falsified, pretty much every state would allow the insurance company to deny coverage.
So it's in the insurance company's best interests to NOT check applications. If it's falsified they still got the premium, but they won't pay out for a loss.
=============
This is huge thread drift, but...
Almost every time you damage your airplane you violated a FAR.
There's no FAR that says you must keep a logbook of every flight, just ones that relate to your privileges (BFR, credit for currency, etc).
When I got insurance once for a club airplane I specifically asked: "What if someone flies it and their medical is expired?" I was told the plane was still covered.
So while they can ask for documents, can they really deny coverage just because a logbook entry was missing? Isn't that like saying your car insurance is void if the registration is lapsed?
Anyone have the language from a policy that makes this level of documentation clearly required for a claim?
[Correct...that is huge thread drift. Please take any replies to these questions to a new thread. Thank you. ; S. Buchanan]
Last edited by Sam Buchanan : Today at 04:20 PM.
=================
The answer to the question is that it depends on state law. For example, in some states coverage can be denied if you let your medical lapse. In others, they can only deny coverage if your lapsed medical was relevant to the loss. However, in the example discussed here, it was not a "lapsed license"; he never had one. If the application was substantially falsified, pretty much every state would allow the insurance company to deny coverage.
So it's in the insurance company's best interests to NOT check applications. If it's falsified they still got the premium, but they won't pay out for a loss.