Parker_Woodruff

This is an interesting observation as I first owned a 1990 M20J-AT and then a 1987 M20K and did not find any appreciable difference in noise. The M20K "felt" quieter due to lower vibration... If your door seals are bad, that could be a good place to start.

Don, I've had success with a USB flashlight that I've now lost. I'm considering replacing with one of these two: https://www.amazon.com/Streamlight-66604-Microstream-Black-Flashlight/dp/B077BLB1DN/ref=sr_1_1_sspa?keywords=usb+flashlight&qid=1561475537&s=gateway&sr=8-1-spons&psc=1 https://www.amazon.com/Anker-Tactical-Flashlight-Rechargeable-Water-Resistant/dp/B01KH2JP5G/ref=sr_1_4?keywords=usb+flashlight&qid=1561475558&s=gateway&sr=8-4

Maxwell or SWTA

Looking forward to it!

Happy to help with quotes, Matt. Parker 214-295-5055

- In the light piston aircraft world, companies do not block markets with N-numbers like they used to. There are maybe 1-2 that do. Plus your current carrier will always block. - Rates are going up. I'm happy to give things a second look for you, if you wish. - If both airplanes share the same ownership, you should consider insuring both aircraft on the same policy since some policies only afford non-owned hull & liability coverage if they insure all aircraft that the policyholder owns.

Flying the airplane home with the new owner today. Really looking forward to the climbout...

I'm now going to Longview on Wednesday as well - driving. Feel free to join - will be departing pretty early...probably 6:30am at the latest.

Sending you a PM

I can drive you if you’d go on Thursday.

I have at least 2 planes I need to move from Longview in the next week or so and am wondering if anyone is headed that direction and could spare a seat.

In today's sponsored post, I'll offer some practical guidance for choosing a good limit for your liability coverage. First thing's first, as I wrote last time, liability coverage forms the base of your aircraft insurance policy and has the valuable benefit of being your legal defense. But what limit should you choose for your policy? Liability coverage for Bodily Injury and Property Damage on an aircraft insurance policy is written on an Occurrence basis. There is on overlying limit, typically starting at $1,000,000 to cover exposure for bodily injury and property damage. Most aircraft owners then sublimit the passenger coverage within the previously mentioned limit. (Most choose to limit to $100,000 Each Passenger for bodily injury). For some, this limit is the only one available. This could be due to a pilot not having much flight experience or a perhaps the age of the pilot. But if higher passenger sublimits (or no sublimits at all) are available, you should consider going with the higher limits. Some quick terminology: The Combined Single Limit (CSL) describes the maximum liability exposure that insurance company has agreed to take on for bodily injury and property damage. If an aircraft is insured with a limit of $1MM CSL, the most an insurance company would have to pay for both bodily injury and property damage in total would be $1MM. Sublimit: Combined Single LImits can be sublimited on a per person or per passenger basis. "Smooth" limits describe liability coverage that does not have per person/passenger sublimits. Here's the practical advice: Look at the value of your assets As you look at the value of your assets, you should especially consider the value of your airplane. Consider if you fly with non-spouse passengers. If so, consider higher passenger bodily injury limits Example: You own a pristine 1999 Mooney Ovation worth and insured for $205,000. Your liability coverage is $1MM limited to $100K Each passenger for bodily injury. You and a friend are flying and a mechanical failure results in a crash and injuries to your passenger. Your airplane is a total loss. Your passenger doesn't sue, but their health insurance company does in order to recoup their losses. After all, they just paid a $190,000 medical bill for your friend's 3-day hospital visit. Your insurance company writes you the check for the loss of your plane - $205,000. Regardless of what assets you had before, you've now got $205,000 more in your bank account. Wouldn't it be nice to have a liability limit that would protect this cash? The health insurance company knows you have a lot of cash from the insurance proceeds and they figure you have more assets to go along with that. It's quite posssible your insurance company reaches a settlement for $100,000 and avoids court costs. But not in this case. Unfortunately, the health insurance company drags you to court claiming your negligence in maintaining your airplane and the court awards a judgement of the full cost of the medical bills - $190,000. Your insurance company defended you, but at the end of the day only has to pay $100,000. You've got a balance of $90,000 to pay. The money is there...in your bank account since the insurance company just wrote you a check for the plane. In light of an example such as this, consider passenger bodily injury limits of greater substance, and possibly in excess of the value of your aircraft. While it's nice to have a "Smooth" limit with no passenger sublimits, some pilots do not have the flight experience to obtain this. However, most certificated pilots can obtain a higher passenger sublimit of $200,000 for a small addtional premium (normally about $75-200 per year). To give an example of what differences in liability coverage cost, consider this recent quote I received for an experienced pilot in a $182,000 Mooney M20R and respective liability limits. Note the small $83 difference to double passenger bodily injury coverage from $100K to $200K. And only $369 in total additional premium to obtain a "Smooth" limit: $1952 Total Annual premium with liability limits at $1MM/$100K $2035 Total Annual premium with liability limits at $1MM/$200K $2321 Total Annual premium with liability limits at $1MM CSL ("Smooth") $2243 Total Annual premium with liability limits at $2MM/$200K $3933 Total Annual premium with liability limits at $2MM CSL ("Smooth") In the next article, I'll discuss Medical Payments coverage. Medical Payments Coverage is not liability coverage as no determination of negligence or legal action must be taken in order for the coverage payments to apply. Parker Woodruff Airspeed Insurance Agency LLC 214-295-5055

This. And do it all at once or do the airframe first then the engine.

Hypothetical quote from one market with a very good policy form: John Smith AOPA member (yes, I can get the AOPA discount, too) 2000 Mooney M20R - $182,000 Hull Value Age 60, ATP 16,000 Total Time, 12,000 retractable gear, 250 in M20R, 100 hours last 12 months and 100 last 12 months in make/model No losses, DUI, felonies, etc. in the last 5 years Hangared in Tampa, Florida $1952 Total Annual premium with liability limits at $1MM/$100K $2035 Total Annual premium with liability limits at $1MM/$200K $2321 Total Annual premium with liability limits at $1MM CSL ("Smooth") $2243 Total Annual premium with liability limits at $2MM/$200K $3933 Total Annual premium with liability limits at $2MM CSL ("Smooth")

In flight, I think the Acclaim and Bravo look the best. On the ground I think the M20K with 3 blade MT looks the best.

Bill, I don't know all the specifics of your scenario, but I'm happy to run a quote for you. If you are in the 70-75+ age range, sometimes things start getting expensive. Same if you have losses in the last 5 years. If neither of those are true, what you've been quoted is too high and I can get you something with better coverage and less premium. On the age front, we still can probably do better if your age is below 75. Call anytime 214-295-5055

I'm happy to offer instruction services. I'll send you a PM

Well, the owner won’t have primary coverage as respects physical damage coverage to protect his aircraft. You could buy a non-owned policy to protect yourself for your use of the aircraft. The owner needs to make sure that his liability coverage includes coverage while renting the aircraft to you.

Hope and I will still plan to be there. Wish the WX would improve

XL has offices in the US and has primarily insured pro-flown corporate aircraft, large flight schools, large commercial fleets, and large repair stations. They have some small aviation businesses in there too. Recently they have been quoting piston general aviation for personal pleasure and business use. Who is your present carrier and is the price worth moving over? Is the policy better? Do you ever fly non-owned aircraft and does one policy provide more coverage than another for this flying? Finally, Keep in mind you build a positive bank of premium with one insurer, your loss ratio will look better should you ever have a claim (large or small).

As I understand it, the G-1000 was optional on the M20R certification with the STEC installed, so it can be done. Is the exclusion on the Garmin certification only if the G-1000 is presently installed? Because you could take it out that "option" then there wouldn't be a G-1000 to worry about. You aren't adding a G3X or GFC500 to a G-1000...You are adding it to an M20R.

And the two examples above show why it's a good idea to have physical damage coverage. You can turn the claim into your insurance company to make you whole immediately and they will handle the subrogation instead of you having to hire an attorney to go after the shop (which is then just awkward, especially if you're otherwise on friendly terms with the shop).

Great idea for the post after my next one which will be choosing a liability limit. Will do!

Liability coverage for bodily injury and property damage forms the base of almost every aviation insurance policy. Physical Damage coverage to your aircraft is optional on top of this. It's good to know that in the event of a bodily injury or property damage claim against you, the insurance company will likely be paying the bill. But before a payout on the policy occurs, one of the most valuable benefits of an insurance policy is the legal defense. Aircraft insurance policies afford legal protection in the event of a claim for bodily injury and/or property damage. That is to say that the Insurance Company has the legal obligation to provide a defense for you, the Insured, until the policy limits have been exhausted. Yes, this obligation exists even in the event of a frivolous claim or suit against you. By having liability coverage, you already have attorneys on your side which are provided at no charge by the insurance company. Instead of you forking over $200-500/hour for legal defense for what could be seemingly-endless litigation, aviation specialists have your back. In the next sponsored post, I'm going to provide advice for choosing a liability limit for bodily injury and property damage. Parker Airspeed Insurance Agency 214-295-5055

I'm not a licensed life insurance agent, but PIC life did get me a good quote