Bill Palmer
Well Known Member
Insurance
Thanks, Alan
Yes, you are correct. There were 3 RV-8A landing phase accidents/incidents between Jan. 1, 2000 and Aug. 1, 2010. Of those 3, 2 are in the category ?failure to maintain directional control upon landing,? and one was identified as ?the failure of the nose landing gear strut for undetermined reasons.? Due to the ?cause? language of this third one, I incorrectly miscounted it.
As far as the landing phase is concerned, here are the NTSB stats from Jan. 1, 2000 to Aug. 1, 2010 as I have recounted them today:
RV-8: Total 10 landing phase accidents/incidents of which 2 included nose-overs.
RV-8A: Total 3 landing phase accidents/incidents of which all 3 ended up in nose-overs. One of these (the ?strut?) was clearly the result of landing on a turf runway with a ?small bump.? Hopefully, increased pilot awareness about landing, or not landing, an RV-8A on a grass strip plus the latest nose gear mods (new fork, new adjustable axles, spacers, wheels, etc.) will help mitigate RV-8A, and other ?A? model, nose-overs.
NOTE: In the NTSB database, I discounted 2 RV-8 reports (Velocity strike; car strike), 1 RV-8A report (RV-6A brake failure/strike), and 1 ?RV-8F? report, because I could not tell if the ?F? was for ?Fighter? (RV-8) or a typo (?F? instead of ?A?).
Correctly, you point out that there are many more RV-8s in the FAA registry: a ratio of 860/240 RV-8?s to RV-8A?s (3.6 RV-8?s to each RV-8A); 1,100 total RV-8/8A?s registered. Van?s reports a total of 992 RV-8/8A?s flying. Van?s apparently does not report the ratio of RV-8 to 8A?s flying or kits sold.
From the landing phase accidents/incidents reported in the NTSB database and considering the relative number of RV-8?s and 8A?s registered, it would seem that the RV-8 and RV-8A are fairly equal in terms of landing phase accident/incident RATE. From the NTSB data, it would appear that Falcon?s circa-2004 report is not correct unless there is some unreported RV-8 exposure (minor ground loops, prop strikes, or whatever) that the insurance companies see in terms of claims, but the NTSB does not see in terms of formally-reported accidents/incidents. Unless an insurance company speaks up relative to their actuarial statistics versus the NTSB database, we cannot determine what is really going on here.
Also, from an insurance standpoint, it could be that the RV-8 is being assigned an average level of ?taildragger? risk which it does not deserve compared to, say, a Luscombe or Pitts. I believe this is called ?spreading the risk.? Again, without an insurance company speaking up, we have no way to decipher this factor, either.
I guess the bottom line for me is that if I owned an RV-8 and had over 100 hours of tailwheel time, some of it recent, I would want to know WHY my hull insurance is higher than an equivalent RV-8A?s if, in fact, it is.
From a liability standpoint, there might be some justification for higher RV-8 insurance rates based on bodily injury.
From the NTSB database, for Jan. 1, 2000 to Aug. 1, 2010, there were 30 total reported RV-8 accidents/incidents and 5 total reported for the RV-8A; a ratio of 6:1.
Of the 30 reported RV-8 accidents/incidents, 7 resulted in RV-8 occupant fatalities and 4 more resulted in serious injuries; a ratio of accidents/incidents to fatalities plus serious injuries of 3:1.
Of the 5 reported RV-8A accidents/incidents, 1 resulted in a fatality; there were no other serious injuries reported (5:1).
Of course, we are not dealing with enough numbers to make any of this statistically valid, but it does appear that the RV-8 has higher exposure to bodily injury. After looking at the NTSB reports, it is my personal opinion that this higher exposure has nothing to do with the RV-8?s design. On the other hand, it may have something to do with the conditions under which RV-8?s are sometimes operated. I leave it up to the readers to determine what is going on with the RV-8?s fatality/injury rate.
Based on the NTSB data alone, I would personally conclude that the RV-8?s insurance rate should be a little higher than the RV-8A?s due to liability (bodily injury), but not hull damage. Of course, insurance company actuarial statistics based on actual claims could completely reverse this perspective, but I personally have no access to this data. Unless an insurance company provides relevant data, we have no way of knowing what drives insurance costs. We only know how to ?comparison shop!?
My ?gut? feel is that RV-8?s do cost more to insure, on the average, than RV-8A?s, but I must admit that it is difficult to prove how much more RV-8?s might cost or what might be driving this: pilot experience/proficiency, injury rate, actual claims, or whatever. I will say that I would not understand why an RV-8?s insurance rate would be any more than about 10% higher than an equivalent RV-8A?s. On the other hand, I suppose the difference could be higher if the RV-8?s apparent higher injury rate is a big deal, cost-wise, for the insurance companies.
Certainly, for pilots with substantially less than 100 hours tailwheel time, insuring an RV-8 would understandably be somewhat more expensive. For pilots/builders with over 100 hours of tailwheel time, particularly including several hours of recent time in type (tailwheel RV), then the insurance delta between the 8 and the 8A could easily be quite small or even nonexistent. Without insurance company data or some sort of RV-8 versus RV-8A insurance cost study, it is very difficult to quantify any insurance cost delta. We must rely on forum member?s experiences, the NTSB database, and our mutual, consensus ?gut? feel!
BOTTOM LINE: I?m ready to throw out what I previously wrote under the ?insurance? section of the ?objective? comparison, but I?m not quite sure what to put in its place! Does anyone want to take a crack at it? I?m out of creativity, and objectivity, for now!
Thanks,
Bill
Thanks, Alan
Yes, you are correct. There were 3 RV-8A landing phase accidents/incidents between Jan. 1, 2000 and Aug. 1, 2010. Of those 3, 2 are in the category ?failure to maintain directional control upon landing,? and one was identified as ?the failure of the nose landing gear strut for undetermined reasons.? Due to the ?cause? language of this third one, I incorrectly miscounted it.
As far as the landing phase is concerned, here are the NTSB stats from Jan. 1, 2000 to Aug. 1, 2010 as I have recounted them today:
RV-8: Total 10 landing phase accidents/incidents of which 2 included nose-overs.
RV-8A: Total 3 landing phase accidents/incidents of which all 3 ended up in nose-overs. One of these (the ?strut?) was clearly the result of landing on a turf runway with a ?small bump.? Hopefully, increased pilot awareness about landing, or not landing, an RV-8A on a grass strip plus the latest nose gear mods (new fork, new adjustable axles, spacers, wheels, etc.) will help mitigate RV-8A, and other ?A? model, nose-overs.
NOTE: In the NTSB database, I discounted 2 RV-8 reports (Velocity strike; car strike), 1 RV-8A report (RV-6A brake failure/strike), and 1 ?RV-8F? report, because I could not tell if the ?F? was for ?Fighter? (RV-8) or a typo (?F? instead of ?A?).
Correctly, you point out that there are many more RV-8s in the FAA registry: a ratio of 860/240 RV-8?s to RV-8A?s (3.6 RV-8?s to each RV-8A); 1,100 total RV-8/8A?s registered. Van?s reports a total of 992 RV-8/8A?s flying. Van?s apparently does not report the ratio of RV-8 to 8A?s flying or kits sold.
From the landing phase accidents/incidents reported in the NTSB database and considering the relative number of RV-8?s and 8A?s registered, it would seem that the RV-8 and RV-8A are fairly equal in terms of landing phase accident/incident RATE. From the NTSB data, it would appear that Falcon?s circa-2004 report is not correct unless there is some unreported RV-8 exposure (minor ground loops, prop strikes, or whatever) that the insurance companies see in terms of claims, but the NTSB does not see in terms of formally-reported accidents/incidents. Unless an insurance company speaks up relative to their actuarial statistics versus the NTSB database, we cannot determine what is really going on here.
Also, from an insurance standpoint, it could be that the RV-8 is being assigned an average level of ?taildragger? risk which it does not deserve compared to, say, a Luscombe or Pitts. I believe this is called ?spreading the risk.? Again, without an insurance company speaking up, we have no way to decipher this factor, either.
I guess the bottom line for me is that if I owned an RV-8 and had over 100 hours of tailwheel time, some of it recent, I would want to know WHY my hull insurance is higher than an equivalent RV-8A?s if, in fact, it is.
From a liability standpoint, there might be some justification for higher RV-8 insurance rates based on bodily injury.
From the NTSB database, for Jan. 1, 2000 to Aug. 1, 2010, there were 30 total reported RV-8 accidents/incidents and 5 total reported for the RV-8A; a ratio of 6:1.
Of the 30 reported RV-8 accidents/incidents, 7 resulted in RV-8 occupant fatalities and 4 more resulted in serious injuries; a ratio of accidents/incidents to fatalities plus serious injuries of 3:1.
Of the 5 reported RV-8A accidents/incidents, 1 resulted in a fatality; there were no other serious injuries reported (5:1).
Of course, we are not dealing with enough numbers to make any of this statistically valid, but it does appear that the RV-8 has higher exposure to bodily injury. After looking at the NTSB reports, it is my personal opinion that this higher exposure has nothing to do with the RV-8?s design. On the other hand, it may have something to do with the conditions under which RV-8?s are sometimes operated. I leave it up to the readers to determine what is going on with the RV-8?s fatality/injury rate.
Based on the NTSB data alone, I would personally conclude that the RV-8?s insurance rate should be a little higher than the RV-8A?s due to liability (bodily injury), but not hull damage. Of course, insurance company actuarial statistics based on actual claims could completely reverse this perspective, but I personally have no access to this data. Unless an insurance company provides relevant data, we have no way of knowing what drives insurance costs. We only know how to ?comparison shop!?
My ?gut? feel is that RV-8?s do cost more to insure, on the average, than RV-8A?s, but I must admit that it is difficult to prove how much more RV-8?s might cost or what might be driving this: pilot experience/proficiency, injury rate, actual claims, or whatever. I will say that I would not understand why an RV-8?s insurance rate would be any more than about 10% higher than an equivalent RV-8A?s. On the other hand, I suppose the difference could be higher if the RV-8?s apparent higher injury rate is a big deal, cost-wise, for the insurance companies.
Certainly, for pilots with substantially less than 100 hours tailwheel time, insuring an RV-8 would understandably be somewhat more expensive. For pilots/builders with over 100 hours of tailwheel time, particularly including several hours of recent time in type (tailwheel RV), then the insurance delta between the 8 and the 8A could easily be quite small or even nonexistent. Without insurance company data or some sort of RV-8 versus RV-8A insurance cost study, it is very difficult to quantify any insurance cost delta. We must rely on forum member?s experiences, the NTSB database, and our mutual, consensus ?gut? feel!
BOTTOM LINE: I?m ready to throw out what I previously wrote under the ?insurance? section of the ?objective? comparison, but I?m not quite sure what to put in its place! Does anyone want to take a crack at it? I?m out of creativity, and objectivity, for now!
Thanks,
Bill