mountainchopper Posted March 8, 2007 Report Share Posted March 8, 2007 This has been running through my mind a lot lately, what are other CFI's doing to cover themselves in the event a machine gets bent or worse to protect themselves from liability? Specifically i'm talking about CFi's that are independant contracters. I looked at AOPA CFI insurance, and their website says the policies listed don't cover rotorwing. Assuming they do have a policy that does, the max they have is 150,000 for the loss of aircraft and runs for a cool $1300. This doesn't cover bodily harm/property damages that is a whole nuther' burrito I instruct in an R44 so if i killed a ship, the 150000 doesn't even cover half of it basically, not to mention injuries incurred, legal charges etc... So my thinking on this is I can A: get said policy pay the 1300 and if i ball up a ship the insurance covers to said 150000 then whoever comes after me for the remaining 200000 ergo i am bankrupt, or I could B: not get the coverage and if i ball up a ship they come after me for the whole ball of wax and i'm bankrupt and save 1300 which i can spend on beer, rent, and food, which they can get from the toilet. now for personal injury etc... I think this is probably a good idea to at least get some coverage, and possibly legal coverage so hopefully i can at least win the court case. I know that the heli should have it's own insurance, but what is to stop the insurer to pay the owner of the aircraft then come after me to recoup for damages. I'm assuming this is all if I am liable, what protections, if any do CFIs legally have, and how liable are they? What information on insurance, legal set-up etc do you guys have? What if a student makes the mistake, how liable am I. This all assuming worst case scenario and I know the first step is to take measures to be as safe as possible to prevent such an incident from occuring in the first place, but as it has been said many times many ways: sh*t Happens. I do know that most CFIs in my position set up a LLC, as I have done, but from what I'm gathering legally that doesn't amount to much protection. Thoughts, advice, and experience all greatly welcomed. Maybe i'm thinking to much into it but to me it isn't worth the lame salary of CFI to be as legally liable as I am. Quote Link to comment Share on other sites More sharing options...
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