AOPA Pilot Magazine - August 2018 - 106

NEWS & NOTES

AOPA INSURANCE

Sudden, accidental,
or unexpected

BY JIM PINEGAR

Why aviation insurance
doesn't cover mechanical
breakdowns or wear and tear

AOPA Insurance
Services

WE OFTEN ARE ASKED about mechanical
breakdown and repair issues when it comes
to aviation insurance. The best explanation
for why aviation insurance doesn't cover
mechanical issues can be summarized in this
comparison: If you're driving on the highway
and your car breaks down, do you call your
auto mechanic, or do you call your insurance
agent? Just as with cars, mechanical wear
and tear isn't covered by insurance, at least
not by the typical owner's policy.
There are always exceptions-such as a
warranty on a new engine that covers certain mechanical items for so many months
or operating hours-but by and large, items
such as wear and tear, deterioration, and
mechanical issues aren't covered in owner's or renter's policies.
Insurance is to cover sudden, accidental, and unexpected events. In the event of
a mechanical failure, while it may be sudden, it's not necessarily unexpected because
mechanical items eventually wear out and
fail. A switch or a gear actuator will only
work so many times.

Insurance is designed to put someone
back in the place they were immediately
prior to an incident. For mechanical failures,
that wouldn't be much help: If a gear-actuator motor had a lifespan of 1,000 cycles and
did in fact wear out on cycle 1,000, insurance
would replace it with a 999-cycle motor-
where it was immediately prior to the
failure. If insurance did cover wear and tear
and mechanical problems, your premiums
would cost much more than they do today.
If a mechanical or wear-and-tear item
leads to an accident or incident, then coverage is likely in place. If your brakes are worn
out and you are unable to stop during taxiing,
resulting in a wing tip striking a hangar and
causing damage, a policy with physical damage coverage would fix the wing-but not
replace the brakes. And if you're flying and
have a mechanical problem and are forced
to have an off-airport landing, your aviation
insurance will likely cover transport of your
airplane to a secure location. That makes
sense, as the insurance company has a stake
in the well-being of your airplane.

If you have a situation with your airplane in which you are unsure of coverage,
give your broker a call. That's a good reason to have the AOPA Insurance Agency
as your broker: We talk your language and
understand general aviation. Let us give you
a hand with all your insurance needs.
JIM PINEGAR is vice president of finance

and administration for AOPA Insurance
Services.

www.aopainsurance.org

NOTICE OF
ANNUAL MEETING
OF MEMBERS
THE ANNUAL MEETING of the members of
the Aircraft Owners and Pilots Association
will be held at 9 a.m. on Thursday,
September 6, 2018, at the headquarters
of AOPA, 411 Aviation Way, Frederick,
Maryland, 21701, located on the Frederick
Municipal Airport (FDK), for the purpose
of receiving reports and transacting such
other business as may properly come
before the meeting, specifically including
the election of trustees. If you are not able
to attend, but would like to appoint your
voting proxy, please visit www.aopa.org/
myaccount or call 800-872-2672.
-Kenneth M. Mead, secretary

CONTACT AOPA
AOPA FOUNDATION
ADDRESS CHANGE?

Send your new address and AOPA
membership number to AOPA:
421 Aviation Way
Frederick, Maryland 21701-4798
Fax: 301-695-2375
www.aopa.org
TOLL-FREE PILOT
INFORMATION CENTER

800-USA-AOPA (872-2672)
www.aopa.org

800-955-9115
www.aopafoundation.org
AOPA AIR SAFETY INSTITUTE

AOPA AIRCRAFT INSURANCE

AOPA CREDIT CARD PROGRAM

AOPA PILOT PROTECTION SERVICES

AOPA AIRCRAFT FINANCING

AOPA RENTAL CAR PROGRAM

800-638-3101
www.airsafetyinstitute.org
877-787-3171
www.aopa.org/creditcard
800-627-5263
www.aopafinance.com

800-622-AOPA (622-2672)
www.aopainsurance.org
800-USA-AOPA (872-2672)
www.aopa.org/pps
www.aopa.org/cars

AOPA PILOT INFORMATION CENTER HOURS

Do you have questions or need information about an aviation topic? Access the team of aviation experts in our Pilot Information Center
during our convenient weekday hours. Call 800-USA-AOPA (872-2672) Monday through Friday, 8:30 a.m. until 6 p.m. Eastern time, with
your questions and our staff will be happy to assist you.
Visit the website (www.aopa.org/premierplus) to learn about upgrading to our AOPA Premier Plus membership.

106 | AOPA PILOT August 2018


http://www.aopainsurance.org http://www.aopa.org/myaccount http://www.aopa.org/myaccount http://www.aopafoundation.org http://www.airsafetyinstitute.org http://www.aopainsurance.org http://www.aopa.org http://www.aopa.org/creditcard http://www.aopa.org/pps http://www.aopa.org/cars http://www.aopafinance.com http://www.aopa.org http://www.aopa.org/premierplus

AOPA Pilot Magazine - August 2018

Table of Contents for the Digital Edition of AOPA Pilot Magazine - August 2018

Contents
AOPA Pilot Magazine - August 2018 - Intro
AOPA Pilot Magazine - August 2018 - Cover1
AOPA Pilot Magazine - August 2018 - Cover2
AOPA Pilot Magazine - August 2018 - Contents
AOPA Pilot Magazine - August 2018 - 2
AOPA Pilot Magazine - August 2018 - 3
AOPA Pilot Magazine - August 2018 - 4
AOPA Pilot Magazine - August 2018 - 5
AOPA Pilot Magazine - August 2018 - 6
AOPA Pilot Magazine - August 2018 - 7
AOPA Pilot Magazine - August 2018 - 8
AOPA Pilot Magazine - August 2018 - 9
AOPA Pilot Magazine - August 2018 - 10
AOPA Pilot Magazine - August 2018 - 11
AOPA Pilot Magazine - August 2018 - 12
AOPA Pilot Magazine - August 2018 - 13
AOPA Pilot Magazine - August 2018 - 14
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AOPA Pilot Magazine - August 2018 - 16
AOPA Pilot Magazine - August 2018 - 17
AOPA Pilot Magazine - August 2018 - 18
AOPA Pilot Magazine - August 2018 - 19
AOPA Pilot Magazine - August 2018 - 20
AOPA Pilot Magazine - August 2018 - 21
AOPA Pilot Magazine - August 2018 - 22
AOPA Pilot Magazine - August 2018 - 23
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AOPA Pilot Magazine - August 2018 - R-1
AOPA Pilot Magazine - August 2018 - R-2
AOPA Pilot Magazine - August 2018 - R-3
AOPA Pilot Magazine - August 2018 - R-4
AOPA Pilot Magazine - August 2018 - R-5
AOPA Pilot Magazine - August 2018 - R-6
AOPA Pilot Magazine - August 2018 - R-7
AOPA Pilot Magazine - August 2018 - R-8
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AOPA Pilot Magazine - August 2018 - 50
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AOPA Pilot Magazine - August 2018 - Cover3
AOPA Pilot Magazine - August 2018 - Cover4
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