Insurance is designed to cover honest mistakes. If you tried to conduct a flight safely and a mistake led to an accident, the insurance pays it and subrogation is unlikely. Now if you were negligent; as in rented the aircraft while intoxicated, then subrogation is more likely.
Non-Owned...
Few points:
Aviation insurance remains so relatively small, and the market is so soft that I don't think actuarial statistics play a significant role anymore. Underwriting is done based on loss experience and knowledge of aviation.
Your buddy paying a lot for the turbine AG plane has a...
As far as insurance is concerned there are 2 important items to remember when it comes to turbines:
Hot Starts are never covered.
Foreign Object Damage claims are only covered when the foreign object came from outside the engine. So if a bolt comes lose from the engine inlet and goes...