Lost my engine on takeoff at 200ft

[DonMuncy]

These are vague generalities, but basically true. The insurance will not pay for a failed engine, as that does not fir the definition of an accident. But they will pay for the damage resulting for the impact with the ground. A gear up is an accident and they will pay for that. If you do something stupid and damage your plane, they pay. If you do something intentionally and damage your plane, they don't pay. But even very stupid is not intentional.

On a airplane insurance policy, unlike a car policy, the "agreed" value is the limit they will pay. If the damage reaches some percentage of the agreed value (the insurance company picks that number), they will declare it totaled and pay the agreed amount. The salvage becomes theirs and they can recoup some of the money they paid.

[Shadrach]

1 hour ago, kerry said:

Just curious.  You mentioned when the engine quits the plane now belongs to the insurance company.  Will your insurance pay for the engine repairs?  If you would have landed wheels up would the insurance then pay for an engine or pay out hull value if the plane can't be repaired?  I'm glad that everyone was safe and things turn out good.  I'm just wondering how the insurance companies deal with different accident situations.

I've seen pics of this plane. I'm not sure of the agreed value, but I think it would be hard to find another one like it. Early F model with a Lopresti cowl, 201 windscreen and a modern panel.

[aviatoreb]

Well done and thank goodness for you Antares.

[N33GG]

Great job, and glad you are OK.  Minor events that are not always in our control can make such difference.  Such as, a failure a second later, or a second earlier.  We just have to do the best we can with the hand we are dealt.  You did AWESOME!

I have been through a few engine failures, and more than a few other memorable events.  I feel lucky to still be alive.

Depending on the exact circumstances, there may be little or no time to think about all the things you need to do.  You just have to act, and especially, fly the plane.   You were clearly in one of these situations.  Not much need for hindsight on this one.  Just be glad for being in a situation you could deal with, and having the skills to do so.  Didn't unlatch the door?  Really? I had to chuckle on that one.   You had your hands, feet, and brain full of plenty to deal with, and you did great.

FWIW, no matter what I am flying, and no matter how long the runway is, I always use all of it for take off.  I just imagine explaining to the FAA why I didn't use it all, especially if that additional 200 or 500 feet would have made a huge difference in outcome.  How do you spell uncomfortable?

Again, excellent pilotage and stick/rudder skills.  And, you saved a great Mooney!

[flyboy0681]

I think the most interesting part of the 182 video was the guys respiration. Can't say mine would be any different under the circumstances.