Parker_Woodruff

I know a DPE in northeastern FL that might offer to help.

To my understanding, sleep apnea isn't normally a tough one to get around if you use the CPAP.

I don't have the statistics on this. The short answer is it depends on who can make a demand against you and/or bring suit against you. It's legal liability coverage. Once you know this then see policy language. Each policy is different. See liability losses not covered. It may also be useful to evaluate any severability clauses if the policy has them.

I'm not a big "let's push an upsell all the time" kind of guy. But there's a point where I think we should evaluate the adequacy of what what's commonly presented to experienced pilots. The "baseline" coverage when it comes to personal aircraft insurance is $1,000,000 Combined Single Limit for Bodily Injury and Property Damage limited to $100,000 each passenger bodily injury. Yes, coverage is available lower at lower levels. And coverage at higher levels is usually available. But the measuring stick really begins at $1MM/$100K. I want to make you all aware that increasing that passenger bodily injury sublimit to $200K is often available for Mooney owners and the cost to do so is normally between around $70-$200 annual additional premium for experienced Mooney pilots. Not expensive at all. One thing to remember is that the definition of "passenger" in most aircraft policies will include third party crewmembers. So the CFI providing your flight review or other training will also be subject to this sublimit. Getting $1MM for Bodily Injury and Property Damage Including Passengers, without a passenger sublimit (often referred to as "Smooth") coverage may have to be looked at differently as more companies evaluate the age of aircraft in whether or not they'll offer this coverage. But it's still available for most Mooneys from several companies. The insurers with high quality policies typically have this coverage level available to owner pilots that have logged 300-1000 hours total time. If you'd like to evaluate a higher coverage level, keep in mind that you don't have to wait for renewal. Insurance companies offering higher limits can endorse this coverage change onto an existing policy on a prorated basis.

We're always keeping an up-to-date strategy for different makes & models.

All of them. But, the M20S probably has the best rates for non instrument rated pilots. The more expensive, the lower premium per dollar insured, too! So, please, let's start production of $800,000 Mooneys. It's for my children.

I have some theories. From my desk, the loss ratios are anecdotally exceptionally better than the earlier models...

Should be about $2000 at your pilot experience level. And about $1600-$1700 if that was a $125K M20K instead of a vintage Mooney. K model is the best deal going in short and mid bodies.

Most/all of these passes are certainly due to pilot age on a new business risk. Some of them would have written if they showed up in the 65-69 age range...maybe 70-72 in one or two cases. There are still many insurance companies writing Mooneys.

W. Brown & Associates stopped underwriting Mooneys thru their online quoting platform that us agents use. They discontinued Flight Design aircraft at the same time. They will still review them manually for individual consideration, though quoting continued coverage is not guaranteed. I would see if your agent has asked W. Brown to manually review.

They get bids from salvage companies. If it's borderline, I think many adjusters are flexible.

Varies by company, but a couple commonly seen ones: If cost to repair plus salvage value is greater than the insured value, it's totaled. If cost to repair is 70% or more of the insured value, it's totaled. When determining salvage value, normally the adjuster asks for bids from salvage companies.

I can only think of one time in the past 6+ years running the agency that an insurance company has declined someone due to a condition when they had made it through FAA Aeromedical. Most insurance companies are content with FAA compliance and, though they ask about special issuance/waiver/etc, there's not much scrutiny. Some companies require a 3rd class or more advanced medical after a certain age, but even that seems less common these days. Still have a couple companies where I've never seen anything required in excess of whatever is necessary for the flight involved for pilots in their 80s. One company deleted medical questions in their application altogether.

Please stop by and visit in Hangar A. I will be at the booth all day from Monday through Saturday and nearby/reachable by text message (phone number written at the booth) on Sunday. For those of you who work with Mary, she'll be at home in Florida and able to handle service calls.

All the other logistics about SnF are easier than OSH (travel, being right between Tampa and Orlando...though I'll do anything to avoid MCO as an airline passenger).