Just FYI, the "good moral character" in 14 CFR 61.153(c) refers to the commission of felonies. If you read the 8900.1, an examiner is supposed to determine if you've been convicted of a felony. Not if you're a "habitual liar on social media."

Don't feed the trolls, brother.

I replied to that guy too. I've been here a long time. I was in the machine for some time - Ops, Hiring, fleet planning. I've got a very broad perspective and experience in this company that your average line person does not. I offer my insights and experiences. Nothing more.

I don't believe in mixing words, fluff or worrying about your feelings. I am blunt, on topic and to the point. Don't like it? Don't read it.

Wow, that's kind of creepy CX. As you know, I always enjoy what you have to share here, I sometimes don't agree with your positions, but that's life. Gutter covered the "good moral character" part and he is correct. Your SM postings here are not even breaking the squelch.


^^^ This right here ^^^ is what I'm talking about the monkey tribe. "I dont' like what you wirte or how you come across, you trigger me so YOU need to change how you write to make me fell better". Yeah, no. Don't like it? Use ignore feature here or just skip on by.


/////////

CX don't let the angry ankle biting monkey tribe deter you. Nothing they can do to you or say that should sway you. If it gets crazy, the mods do a good job of regulating here. Press on my friend. We'd love to have you back here.

I'm going to agree with DBR, I kinda miss OOFFF as well. Never really agreed with them, but it was always a good argument. Whoever they are they are intelligent and post some deep stuff you kind of have to get your brain around. I like that.

It seems like there is a consensus that it is better to have umbrella insurance than hope for tort reform and maybe see a unicorn, too.

I use USAA and bundle my umbrella insurance with home and auto. I am worried I may be missing out on career specific umbrella insurance?? Does anyone have any recommendations or any experiences using umbrella insurance or how high of a limit per occurrence one should have as a pilot??

No need to get emotional. CX presents himself the way he chooses to, and we are all free to determine what caliber of individual he is based on that.

You are absolutely free to not like him. There are plenty of personalities here I don't care for but would never support anyone harassing them, threatening to call the CPO or threatening to report you to the FAA. To effectively justify someone calling and harassing him or supporting the justification that he is not of good moral character because you don't like him is juvenile.

Delta carries insurance for accidents. It’s just a reality. View your umbrella as your assets (less qualified credit protected, such as your 401k) and have at least that much. If you have teenage drivers it should be mandatory. Normally not expensive or difficult to carry until you get over about $5M. Mine just renewed at about $1100/yr for $5M. You will need to ensure your home and auto coverage matches the policy requirements (meaning healthy amounts to start).

Following

<insert Micheal Jackson eating popcorn meme here>

Finally some real entertainment value on APC.

That describes about half of all pilots in general. How do you get along with anyone at work?

CX’s stories are entertaining and often insightful — particularly his encounters with management. I’ve never met him either, but he’s a welcome change of pace around here.

Whoever threatened to report him to the FAA for “lacking moral character” is laughably vapid. At least research how 61.153(c) is actually interpreted first, followed by how rarely it’s ever been applied — even against pilots with felonies.

Speaking of memes, where the heck is memeincommand?

I think that dude just left APC for the time being.

A5S

There is no umbrella policy that a pilot can afford that’s going to help in the event of a major incident. One thing you can do is maintain your 401K assets within the current Fidelity program until you retire. Be careful moving them into other vehicles outside the current plan as you may loose the lawsuit shelter provided by federal law. Some states do protect IRA’s but it’s state specific so do your research.
Be aware that the biggest threat that I observed impacting pilots concerning lawsuits over the years is their children, especially when they turn 16 and start driving. A umbrella policy is an absolute necessity at that point and don’t carry them longer than needed on your policy and or register their cars in your name.

But you don't need to call any spades here.

There's rarely any reason to critique other users on this forum, in the case of actual misbehavior just report it.

If you want to debate someone's opinions, fine. If you just don't like them and don't want to deal with it, just ignore them. Or add them to your ignore list if you like.

18th birthday ritual: Go to DMV and transfer car title, and signup for own USAA account.

If you have a dependent driver under 22 you're going to find it difficult to get more than a $1M umbrella.

You can remove them from your insurance, but then you're (they're) going to be paying more for auto. And in some cases this won't help your umbrella at all since they are still your dependent.

Depends on state law.

Typically better to transfer the car and have them get their own insurance. But if they're living at home or financially dependent (college) in some jurisdictions you might still be liable. In that case, putting them on separate insurance would mean that your umbrella might not cover it, while you could still be liable. Might be better to keep them on your policy, under your umbrella.