Insurance problem

[kommers]

On July 26 2015, i.e. a year ago, my Mooney 20C was involved in the incident (gear folded 3 sec after the landing) which resulted in a plane writeoff by the insurance company.  I wasn't a party to the incident, flying Cessna trainer at the time when the whole thing occurred. Plane was piloted by my wife and her CFI who were on the policy. FAA report cited mechanical malfunction, leaving both pilots blame free. Later that year, I bought a Mooney 20J and the same agent and same underwriter issued me a new policy, the only stipulation for the low cost premium was that neither my wife or her CFI are to be added to it. So, my current policy has only my A/P mechanic and myself on it I had this new policy since last October, but today, I received a letter from the underwriter which stated that my policy is not be renewed and the reason is "previous loss". Has anyone experienced similar situation? I could  understand underwriter's rationale if I were involved in that incident, but I wasn't. Moreover, they let me obtain another policy for my new Mooney and suddenly decided not to review a year later. This sounds weird and I am also concerned that I may have problems finding another insurer. Aside from looking for another company, what would be your suggestions?  Thank you for you input !

[N601RX]

Yes there is another thread about insurance that started about a month ago. 

[carusoam]

There is probably an annual thread generated regarding insurance wackiness.

If the cause was a mechanical issue, why is there a limit for the two people that were in the plane when it broke?

Many of these situations are solved by asking questions directly to the insurance broker.

Get the details.  Was the CFI PIC on the accident flight?

it sounds like two people are being blamed for one accident.  Something isn't making sense.

good luck, make a few calls...

Best regards,

-a-