AOPA Pilot Magazine - September 2012 - 102

NEWS & NOTES

AOPA INSURANCE SERVICES

PROTECTING YOUR PASSION IS OUR PASSION

The AOPA Insurance Agency is now AOPA Insurance Services. We are a full-service aviation insurance brokerage assisting members and nonmembers alike with any type of aviation insurance need. We have placed all of our valuable member benefits under one roof. Visit our new website and see our new look (www.aopainsurance.org).

INSURANCE FILE
BY JANET C. BRESSLER

President, AOPA Insurance Services

BUILD FINANCIAL SECURITY FOR YOUR FAMILY WITH AOPA’S TERM LIFE INSURANCE PLANS
IF SOMETHING HAPPENED to you, would your family have enough assets to make sure they could maintain their current lifestyle? Will they have enough to pay everyday living expenses, children’s college education, and otherwise meet all the other financial obligations that you and your income provided for? For most Americans, the answer is no. According to a recent life insurance ownership study, 35 million Americans have no life insurance protection at all. And of those who do have coverage, most don’t have enough to ensure a secure financial future for their families. Available to AOPA members are several term life insurance options—from group annual term to a 10-year or even a 20-year term. This helps many people keep coverage as they go through different stages of life, such as when they get married, have children, send children to college, and as they retire. These plans are a great way to have confidence that your loved ones will be financially secure.

Don’t be afraid to ask
STUDENTS AND RENTERS, this is for you. Before you jump into the cockpit at your local FBO on your next flight you should also do a simple preflight check on the insurance for that aircraft. Most pilots dislike talking about insurance (unless it is to lament on the cost, of course) and prefer to assume that it is all in place and not a concern. To help you ask the right insurance questions of your FBO— and determine what coverage is in place for your flight—here is a short list of items to run through for the insurance portion of your checklist: 1. Request a certificate of insurance from your FBO evidencing the below items to understand its aircraft coverage: • All aircraft the FBO offers for rental that you could be flying • Aircraft liability limit • Aircraft hull coverage and deductibles • Student and renter liability (if they provide, optional coverage) 2. Review your rental agreement to understand your obligations to pay for any damage 3. Review your nonowned aircraft policy to understand what it covers and does not cover regarding your rental agreement obligations.

A quick note on student and renter liability: Although it is nice for FBOs to provide this coverage to their customers, it is not a substitute for personal nonowned aircraft insurance. First, it is part of the liability limit for the FBO and not an exclusive amount for your protection. And, second, it does not provide any type of hull coverage extension to you if you damage the aircraft. Don’t be afraid to ask your FBO to provide you evidence of its aircraft insurance—you are the customer, after all. You really do not want to wade through the FBO’s full policy if they offer it up, but simply want a certificate issued to you personally or a general To Whom It May Concern certificate with the basic details. Either is fine and easy for your FBO to obtain for you. Then involve your insurance provider for help reviewing the FBO’s coverage, your rental agreement, and personal insurance policy to ensure you understand how they work together and what level of protection you have while flying a rented aircraft.
JANET BRESSLER, a private pilot, is an

WEB www.aopainsurance.org

aviation insurance professional with more than 17 years of experience.

102 | AOPA PILOT September 2012


http://www.aopainsurance.org http://www.aopainsurance.org

AOPA Pilot Magazine - September 2012

Table of Contents for the Digital Edition of AOPA Pilot Magazine - September 2012

AOPA Pilot Magazine - September 2012
Contents
President’s Position
Visual Approach
Letters
Waypoints
Proficient Pilot
Foundation Focus
License to Learn
Pilot Counsel
Fly Well
‘American Angel’
International
Youth Activities
Test Pilot
News
Products
News from OSH
News from OSH
Fly-Outs
Fly-Outs
Cessna’s X Factor
Cessna’s X Factor
French Lessons
French Lessons
Flight Before Christmas
Flight Before Christmas
Safety Pilot Landmark Accident: Pointing Fingers
Safety Pilot Landmark Accident: Pointing Fingers
Ownership
Ownership
Technique
Technique
Never Again
Never Again
Wx Watch
Wx Watch
Avionics
Avionics
Summit 2012
Summit 2012
Member Products
Member Products
AOPA Insurance Services
AOPA Insurance Services
State and Local Action
State and Local Action
AOPA Foundation
AOPA Foundation
Fly by Wire
Fly by Wire
Pilots
Pilots
AOPA Pilot Magazine - September 2012 - AOPA Pilot Magazine - September 2012
AOPA Pilot Magazine - September 2012 - Cover2
AOPA Pilot Magazine - September 2012 - 1
AOPA Pilot Magazine - September 2012 - Contents
AOPA Pilot Magazine - September 2012 - 3
AOPA Pilot Magazine - September 2012 - President’s Position
AOPA Pilot Magazine - September 2012 - 5
AOPA Pilot Magazine - September 2012 - 6
AOPA Pilot Magazine - September 2012 - 7
AOPA Pilot Magazine - September 2012 - 8
AOPA Pilot Magazine - September 2012 - 9
AOPA Pilot Magazine - September 2012 - Visual Approach
AOPA Pilot Magazine - September 2012 - 11
AOPA Pilot Magazine - September 2012 - Letters
AOPA Pilot Magazine - September 2012 - 13
AOPA Pilot Magazine - September 2012 - 14
AOPA Pilot Magazine - September 2012 - 15
AOPA Pilot Magazine - September 2012 - Waypoints
AOPA Pilot Magazine - September 2012 - 17
AOPA Pilot Magazine - September 2012 - Proficient Pilot
AOPA Pilot Magazine - September 2012 - 19
AOPA Pilot Magazine - September 2012 - Foundation Focus
AOPA Pilot Magazine - September 2012 - 21
AOPA Pilot Magazine - September 2012 - License to Learn
AOPA Pilot Magazine - September 2012 - 23
AOPA Pilot Magazine - September 2012 - Pilot Counsel
AOPA Pilot Magazine - September 2012 - 25
AOPA Pilot Magazine - September 2012 - Fly Well
AOPA Pilot Magazine - September 2012 - 27
AOPA Pilot Magazine - September 2012 - 28
AOPA Pilot Magazine - September 2012 - 29
AOPA Pilot Magazine - September 2012 - ‘American Angel’
AOPA Pilot Magazine - September 2012 - 31
AOPA Pilot Magazine - September 2012 - International
AOPA Pilot Magazine - September 2012 - 33
AOPA Pilot Magazine - September 2012 - Youth Activities
AOPA Pilot Magazine - September 2012 - 35
AOPA Pilot Magazine - September 2012 - Test Pilot
AOPA Pilot Magazine - September 2012 - 37
AOPA Pilot Magazine - September 2012 - News
AOPA Pilot Magazine - September 2012 - 39
AOPA Pilot Magazine - September 2012 - Products
AOPA Pilot Magazine - September 2012 - 41
AOPA Pilot Magazine - September 2012 - News from OSH
AOPA Pilot Magazine - September 2012 - 43
AOPA Pilot Magazine - September 2012 - Fly-Outs
AOPA Pilot Magazine - September 2012 - 45
AOPA Pilot Magazine - September 2012 - 46
AOPA Pilot Magazine - September 2012 - 47
AOPA Pilot Magazine - September 2012 - 48
AOPA Pilot Magazine - September 2012 - 49
AOPA Pilot Magazine - September 2012 - Cessna’s X Factor
AOPA Pilot Magazine - September 2012 - 51
AOPA Pilot Magazine - September 2012 - 52
AOPA Pilot Magazine - September 2012 - 53
AOPA Pilot Magazine - September 2012 - 54
AOPA Pilot Magazine - September 2012 - 55
AOPA Pilot Magazine - September 2012 - 56
AOPA Pilot Magazine - September 2012 - 57
AOPA Pilot Magazine - September 2012 - French Lessons
AOPA Pilot Magazine - September 2012 - 59
AOPA Pilot Magazine - September 2012 - 60
AOPA Pilot Magazine - September 2012 - 61
AOPA Pilot Magazine - September 2012 - 62
AOPA Pilot Magazine - September 2012 - 63
AOPA Pilot Magazine - September 2012 - 64
AOPA Pilot Magazine - September 2012 - 65
AOPA Pilot Magazine - September 2012 - 66
AOPA Pilot Magazine - September 2012 - 67
AOPA Pilot Magazine - September 2012 - Flight Before Christmas
AOPA Pilot Magazine - September 2012 - 69
AOPA Pilot Magazine - September 2012 - 70
AOPA Pilot Magazine - September 2012 - 71
AOPA Pilot Magazine - September 2012 - 72
AOPA Pilot Magazine - September 2012 - 73
AOPA Pilot Magazine - September 2012 - 74
AOPA Pilot Magazine - September 2012 - 75
AOPA Pilot Magazine - September 2012 - Safety Pilot Landmark Accident: Pointing Fingers
AOPA Pilot Magazine - September 2012 - 77
AOPA Pilot Magazine - September 2012 - 78
AOPA Pilot Magazine - September 2012 - 79
AOPA Pilot Magazine - September 2012 - Ownership
AOPA Pilot Magazine - September 2012 - 81
AOPA Pilot Magazine - September 2012 - 82
AOPA Pilot Magazine - September 2012 - 83
AOPA Pilot Magazine - September 2012 - 84
AOPA Pilot Magazine - September 2012 - 85
AOPA Pilot Magazine - September 2012 - Technique
AOPA Pilot Magazine - September 2012 - 87
AOPA Pilot Magazine - September 2012 - 88
AOPA Pilot Magazine - September 2012 - 89
AOPA Pilot Magazine - September 2012 - Never Again
AOPA Pilot Magazine - September 2012 - 91
AOPA Pilot Magazine - September 2012 - 92
AOPA Pilot Magazine - September 2012 - Wx Watch
AOPA Pilot Magazine - September 2012 - 94
AOPA Pilot Magazine - September 2012 - Avionics
AOPA Pilot Magazine - September 2012 - 96
AOPA Pilot Magazine - September 2012 - I1
AOPA Pilot Magazine - September 2012 - I2
AOPA Pilot Magazine - September 2012 - 97
AOPA Pilot Magazine - September 2012 - Summit 2012
AOPA Pilot Magazine - September 2012 - 99
AOPA Pilot Magazine - September 2012 - Member Products
AOPA Pilot Magazine - September 2012 - 101
AOPA Pilot Magazine - September 2012 - AOPA Insurance Services
AOPA Pilot Magazine - September 2012 - 103
AOPA Pilot Magazine - September 2012 - State and Local Action
AOPA Pilot Magazine - September 2012 - 105
AOPA Pilot Magazine - September 2012 - AOPA Foundation
AOPA Pilot Magazine - September 2012 - 107
AOPA Pilot Magazine - September 2012 - Fly by Wire
AOPA Pilot Magazine - September 2012 - 109
AOPA Pilot Magazine - September 2012 - 110
AOPA Pilot Magazine - September 2012 - 111
AOPA Pilot Magazine - September 2012 - Pilots
AOPA Pilot Magazine - September 2012 - Cover3
AOPA Pilot Magazine - September 2012 - Cover4
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