Originally Posted by
rickair7777
Better read the fine print, aviation insurance is not as simple as auto ins.
The CFI might be covered, or might not.
But the policy may allow subrogation...where the insurance would pay the owner's claim but then turn around and sue any other parties who might be responsible for the damages. Owner screws up a landing, ins pays to fix the airplane, but then sues the CFI who should have prevented the mishap...this could happen even if you are not on board while he's soloing.
Good info from Rickair. Also keep in mind many CFIs only take out liability insurance not hull (typically more expensive). Hull is what's needed when the AC is damaged and there's subrogation.