UPS crash lawsuits.
05-10-2026 | 10:11 PM
#51
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05-11-2026 | 04:41 AM
#52
Gets Weekends Off
Joined: Feb 2008
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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??
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??
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.
05-11-2026 | 10:30 AM
#53
Prime Minister/Moderator
Joined: Jan 2006
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From: Engines Turn or People Swim
I'm not the one that called him a liar or castigated him earlier on in this thread. His love of self-promotion simply invites the criticism and I'm not surprised when people assume he's spinning some tall tales. He rarely misses an opportunity to tell everyone about himself, even if the connection to the topic is tenuous at best. He's not hurting anyone but it's strange and peculiar and mildly annoying.
It's totally possible to not be a hater but to also call a spade a spade, and since I don't know him personally like it seems many of his defenders here do, my perspective might be reliably more objective in how he's coming across than to those who are already in his fan club.
It's totally possible to not be a hater but to also call a spade a spade, and since I don't know him personally like it seems many of his defenders here do, my perspective might be reliably more objective in how he's coming across than to those who are already in his fan club.
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.
05-11-2026 | 10:33 AM
#54
Prime Minister/Moderator
Joined: Jan 2006
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From: Engines Turn or People Swim
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.
05-11-2026 | 11:02 AM
#55
Gets Weekends Off
Joined: Sep 2013
Posts: 6,564
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From: Sitting SC at the Five Towns
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.
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.
05-11-2026 | 04:49 PM
#56
Prime Minister/Moderator
Joined: Jan 2006
Posts: 45,114
Likes: 794
From: Engines Turn or People Swim
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.
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.
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.
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