My local FBO has the aircraft insured, why do I need nonowned coverage?
The FBO’s policy does not protect you, it protects them. If you damage the aircraft, the FBO’s insurance company may come after you personally to recover what they paid the FBO. More importantly, you need liability protection designed to protect you from the really large claims (bodily injury to others and property damage). How much coverage should I buy? For liability coverage, as much as is available and you can afford. For nonowned hull coverage, it depends on the value of the aircraft you typically rent and whether or not you want to fully be covered in the event of a total loss. I just had an accident, what do I do? It is important to protect your aircraft from further damage and to prevent it from becoming a safety hazard to others. That means the aircraft can be moved if necessary and a guard can be hired to stay with the aircraft if there is risk of avionics theft. Do not admit fault. Do not discuss the accident with anyone except AOPA Insurance Agency, your insurance company,
