Kolb-List Digest Archive

Sat 01/23/10


Total Messages Posted: 14



Today's Message Index:
----------------------
 
     1. 07:31 AM - Re: Re: AD insurance (robert bean)
     2. 07:49 AM - Re: AD insurance (lucien)
     3. 08:23 AM - insurance (russ kinne)
     4. 08:29 AM - Ultrastar liability Insurance (David Kulp)
     5. 08:43 AM - Re: Re: AD insurance (Jack B. Hart)
     6. 09:26 AM - Re: AD insurance (lucien)
     7. 09:29 AM - Re: Ultrastar liability Insurance (Dana Hague)
     8. 11:47 AM - Re: AD insurance (robert bean)
     9. 12:38 PM - Re: Re: AD insurance (John Hauck)
    10. 02:55 PM - Re: Re: AD insurance (John Hauck)
    11. 05:50 PM - Re: AD insurance (Ralph B)
    12. 06:22 PM - Re: Re: AD insurance (robert bean)
    13. 07:40 PM - Re: Re: AD insurance (John Hauck)
    14. 07:42 PM - Re: Re: AD insurance (John Hauck)
 
 
 


Message 1


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    Time: 07:31:10 AM PST US
    Subject: Re: AD insurance
    From: robert bean <slyck@frontiernet.net>
    Some common sense is good insurance too. I rarely fly to large gatherings at paved airports but when I do, the guy waving me over to park on the ramp next to big expensive airplanes gets ignored. With puny brakes and no differential action I shut down and hand push to a good spot. My preference is to taxi over to a grassy spot and park. This also reduces the chances of some other guy whacking you. BB On 22, Jan 2010, at 5:45 PM, lucien wrote: > > > NeilsenRM(at)comcast.net wrote: >> John/All >> >> Another perspective. I don't carry insurance on my airplane. I have been >> told the cost of hull insurance is app. 10% of the cost of your airplane per >> year. A experimental might be more. Last year I asked Avemco for a quote on >> liability insurance. When they found out I had a VW on my plane that I >> installed (not professionally installed) they walked away. They wouldn't >> even give me a quote. But they did give me a hat. >> >> I have been flying my plane for ten years so I can total my plane and it >> will cost me less to replace than pay for the insurance. You talk about the >> monumental cost of recovering your plane from the north slope of Alaska... >> Insurance companies don't like to pay more than they have to. They will >> figure the appraised value of your plane minus your deductable and IF you >> haven't violated any rules or laws might just write you a check. >> >> Liability insurance is a concern but if I'm dead are they really going to go >> after my (hopefully grieving) 60 year old widow??? Also my pockets aren't >> deep enough to interest a money grubbing lawyer. >> >> Rick Neilsen >> Redrive VW Powered MKIIIC >> >> --- > > > That's actually not unusual (that they turned you down for having the VW conversion). The ins. co. wants someone involved that's worth enough to go after via lawsuit if they decide to try to recover a loss. > > That's why they don't like "one-off's", like a custom auto-engine conversion or something along those lines, no matter how well done or reliable it might end up being.. There's no one left to sue at the end of the day - it's pretty much just you and you're broke because of having spent all your money on the plane. > > But even something like a PSRU made by some (sue-able) company somewhere can satisfy the underwriter in many cases, even if the rest of the engine is completely custom-done for instance. You may get a higher rate but they'll still sometimes write you a policy. > > In any case, you have to weigh the likelihood of getting screwed by the insurance co. against the protections you would have if they did decide to honor their end of the agreement. There's not much you can do legally if they do screw you, but there's a lot you can do to help insure they won't. I.e., stay relentlessly current, meticulous about the logbooks and maint. etc. I don't so much as turn a wrench without putting it in my logbooks. > > Liability is worth it, I agree, if you fly into/out of a lot of airports. It's good to not hit anything in the first place, but there's always that potential for disaster.... > > LS > > -------- > LS > Titan II SS > > > > > Read this topic online here: > > http://forums.matronics.com/viewtopic.php?p=282970#282970 > > > > > > > > > >


    Message 2


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    Time: 07:49:49 AM PST US
    Subject: Re: AD insurance
    From: "lucien" <lstavenhagen@hotmail.com>
    slyck(at)frontiernet.net wrote: > Some common sense is good insurance too. I rarely fly to large gatherings at paved airports but when I do, > the guy waving me over to park on the ramp next to big expensive airplanes gets ignored. With puny brakes and > no differential action I shut down and hand push to a good spot. My preference is to taxi over to a grassy spot > and park. This also reduces the chances of some other guy whacking you. > BB > Well it's probably obvious by now that I have a particular hatred of organized crime, particularly rackets like insurance and banks (I make my living having these guys as customers) so it's very hard for me to maintain objectivity about them. Particularly when people start talking about them as if they're actually benevolent, honorable enterprises who only have our best interests at heart. That's really when my hair starts to stand on end. So I'll sit on my hands on the issue for now. To be honest, when I get rich and famous I'm going to buy a plot of land out in the middle of nowhere and build my own insurance-free airport on it and will fly only to other places out in the middle of nowhere. I wouldn't be too bent out of shape if I never landed at another public airport again and all my flight ops were forever after into dirt/grass strips privately owned and far far away from anywhere. But yes, as long as I do have to fly into public places, I'll toe the line and maintain liability insurance. Accidents really do happen no matter how careful you are.... LS -------- LS Titan II SS Read this topic online here: http://forums.matronics.com/viewtopic.php?p=283074#283074


    Message 3


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    Time: 08:23:27 AM PST US
    From: russ kinne <russkinne@mac.com>
    Subject: insurance
    FWIW -- I had insurance with Avemco, for a Cessna. When I put it on floats they increased the premium by almost 60%. Not pleasant, but understandable. When I took it OFF floats they refused to lower the premium again. They said, "We know you'll put it back on floats, and we'll keep charging the higher premium". Goodbye Avemco. When queried, another company said they'd pay me $13,500 for a total loss. My year and model plane was then selling for about $50,000. Goodby, other company. Got insurance through the Antique A/C Assn, had an engine seize & did minor damage on landing. They did pay for that, but of course not cost of removal or a new engine. I have no arguments with this company. So some are good, some aren't; but they all will say, "Thanks for the premiums, goodbye" if you give them half a chance. Keep all paperwork current! (aka, CYA) I try not to fly anything anywhere without liability insurance, and try to read the policy when I rent. Russ K


    Message 4


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    Time: 08:29:46 AM PST US
    From: David Kulp <undoctor@ptd.net>
    Subject: Ultrastar liability Insurance
    Dana, Do you have lliability insurance on your US or on yourself? Having apts, etc., I have an umbrella liability policy on myself which reduces the cost of the coverage on my rentals and vehicles, but I'm not sure it would cover any damage if I landed on someone's barn roof. If you have it on the US, who's the carrier?? I had Falcon and others check for ins. and they couldn't come up with a carrier since I don't have an N number. Perhaps they were only looking for hull ins. Let me know what you know. Thanks! Dave Kulp FireFly 11 DMK Do not archive.


    Message 5


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    Time: 08:43:35 AM PST US
    From: "Jack B. Hart" <jbhart@onlyinternet.net>
    Subject: Re: AD insurance
    At 07:49 AM 1/23/10 -0800, you wrote: > >I wouldn't be too bent out of shape if I never landed at another public airport again and all my flight ops were forever after into . > lucien, What makes you so sure that there aren't a few sharks, wolves, etc lying in wait at the "dirt/grass strips privately owned and far far away from anywhere"? Flying a ul has been an interesting experience. From my limited experience, airport managers vary from a few who want you to "get out of here" to most who bend over backwards to be helpful. Some are anxiety prone and see nothing but the liability of operating a business, and others are more open to service and the promotion of flying. They may not like you but they sure will sell you fuel and count your take off and landing in with the real planes when it comes time to report to the fed's. So far, I have been lucky in finding hangar space at public airports. At first things were a little dicey but when they found out that I kept out of the way, I was accepted, and other pilots who fly from the same airport drop by to check out the FireFly. One of the reasons for hangaring at a public airport is so that I can talk to others who like to fly. Then there are a few who turn their back but they have been, in most cases, pilots who are passing through. Having a heat wave. Supposed to get over 50 degrees F today. Warm enough to work on the FireFly. Jack B. Hart FF004 Winchester, IN


    Message 6


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    Time: 09:26:18 AM PST US
    Subject: Re: AD insurance
    From: "lucien" <lstavenhagen@hotmail.com>
    jbhart(at)onlyinternet.ne wrote: > > lucien, > > What makes you so sure that there aren't a few sharks, wolves, etc lying in > wait at the "dirt/grass strips privately owned and far far away from > anywhere"? > > Flying a ul has been an interesting experience. From my limited experience, > airport managers vary from a few who want you to "get out of here" to most > who bend over backwards to be helpful. Some are anxiety prone and see > nothing but the liability of operating a business, and others are more open > to service and the promotion of flying. They may not like you but they sure > will sell you fuel and count your take off and landing in with the real > planes when it comes time to report to the fed's. So far, I have been lucky > in finding hangar space at public airports. At first things were a little > dicey but when they found out that I kept out of the way, I was accepted, > and other pilots who fly from the same airport drop by to check out the > FireFly. One of the reasons for hangaring at a public airport is so that I > can talk to others who like to fly. Then there are a few who turn their > back but they have been, in most cases, pilots who are passing through. > > Having a heat wave. Supposed to get over 50 degrees F today. Warm enough > to work on the FireFly. > > Jack B. Hart FF004 > Winchester, IN Hi Jack, Well you know the old saying: Life's a bed of roses, you just have to watch out for the pricks. Now, there's always a risk of running into a prick, but the chances of that go down when there aren't so many roses around..... All that said, I've generally had overall good experiences at public airports as I have for the last 8 or so years or so. That's generally because I try to prep myself on the rules, obey the rules and get any conflicts that may arise dealt with as soon as practicable. If someone complains, I go right to their office and get to work on what we need to do about it. I had my FSII here at KSAF for about a year until I regrettably had to sell it. I never got even one complaint and everyone loved watching me fly the plane around the airport. One time the tower asked me to call them after I'd made a mistake and, as usual, it was my fault and I corrected the error after that when I was given the same instructions subsequently. And the controller added "and finally I just want to say I'm absolutely enthralled with your airplane". With hangaring and some of the GA and big iron pilots, tho, my results have been mixed, especially when I was flying ultralights. The two main problems with hangaring are exploitative raising of rents and closing of hangars. With other planes/pilots, the perception of ultralights as cowboys that make trouble even if you're neither a cowboy or a trouble-maker. Goes back to that "prick" thing I mentioned earlier. Looking back on my flying, I still rank ultralighting as my most magical flying experiences. Flying my quicksilver off a farm was really the pinnacle privilege of my entire flying career and I've wanted to try that again since. There's just something about blasting off out of a field somewhere that you just don't quite capture when it's a big airport. We got about another month left in the flying season here before we get shut down by the wind and then convective activity. After that it'll be little windows here and there assuming I can get up early enough in the morning. Got a massive low pressure system over us this weekend which I think has put the Kaibash on flying until next weekend.... LS -------- LS Titan II SS Read this topic online here: http://forums.matronics.com/viewtopic.php?p=283093#283093


    Message 7


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    Time: 09:29:40 AM PST US
    From: Dana Hague <d-m-hague@comcast.net>
    Subject: Re: Ultrastar liability Insurance
    At 11:27 AM 1/23/2010, David Kulp wrote: >Dana, > >Do you have lliability insurance on your US or on yourself? Having apts, >etc., I have an umbrella liability policy on myself which reduces the cost >of the coverage on my rentals and vehicles, but I'm not sure it would >cover any damage if I landed on someone's barn roof. If you have it on >the US, who's the carrier?? I had Falcon and others check for ins. and >they couldn't come up with a carrier since I don't have an N >number. Perhaps they were only looking for hull ins. Dave, I have liability on the US through USUA / First Flight. I don't have an umbrella policy; AFAIK those are always "secondary" policies and don't cover anything that doesn't have a primary policy first. They don't care about an N-number but they do require that the pilot have some sort of qualification (an old USUA instructor signoff or FAA certificate). -Dana -- Software isn't released, it's allowed to escape.


    Message 8


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    Time: 11:47:42 AM PST US
    From: robert bean <slyck@frontiernet.net>
    Subject: re: AD insurance
    "There's just something about blasting off out of a field somewhere that you just don't quite capture when it's a big airport." -LS I agree. especially nice if you own it and: 1 always cleared number one for takeoff 2. absolutely free, including hangar (pretentious name for old shed), farm rent pays taxes 3. within view of my front window 4. tires last forever BB do not archive DSCN0625.JPG


    Message 9


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    Time: 12:38:43 PM PST US
    From: "John Hauck" <jhauck@elmore.rr.com>
    Subject: Re: re: AD insurance
    Me too. I have visited Bob's airstrip. It is beautiful. Never landed on it with my airplane, but spent the night on it in the 5th wheel. It was so dark I could not see my hand in front of my face. Bob's strip and hanger are a lot like mine, with the exception his is longer and has better approaches. My airstrip does not belong to me, but close friends. I have been flying out of it for more than 25 years now, all 750 feet of it, with one easy way in and out. The other way is not bad, but not as easy as the other. I get lazy and land the easy way now. When I was younger and dumber, I landed both ways. If I did that now, it would soon become normal and not at all difficult. I have two hangers with 150.00 invested in both, not counting labor. I have never paid a penny's rent, but I do help with some of the chores around the farm, when needed. I also keep 8 antique tractors in barns and sheds at the farm. Best of both worlds. I was rotary wing rated, but not fixed wing rated, when I took off in my untested Ultrastar, out of that cow pasture, July 1984. After my second flight, two weeks later, I was fixed wing rated. In 1990, I got my private ticket with 1,200+ ultralight flight hours and 20 hours in a Cessna 152. I may have 30 hours in GA fixed wing, the rest are in Kolbs, with the exception of a couple hours in Bert Howland's Honey Bee in 1989, and an hour in Bruce Chestnut's Aeronca Champ a few years ago. Yea...and I did fly the Kolb Sport out of Chesnut Knolls for an hour. I have test flown my three Kolbs out of Gantt International Airport (my grass strip). I have pretty much free run of hay fields up here in my neck of the woods. Never had a problem with any neighbor and my airplane all these years, even when I cut a 7,600 VAC power line at supper time in 1985. I didn't get hurt but my airplane was totaled and a lot of folks had a late supper. I was afraid my flying days were over because I had no money to pay Alabama Power Co to replace the line and three each three phase transformers I burned out, not to mention the money to rebuild my Ultrastar. Never got a letter from Alabama Power, and Brother Jim and I managed to rebuild the Ultrastar by pinching those pennies a little harder. Back then, I would never have thought my Kolbs would fly to the places they have flown, and will fly on a regular basis. I am grateful to be an American and have the opportunity to experience some very enjoyable years building and flying my Kolbs. john h mkIII - On a cold, gray, windy, dreary day at hauck's holler, alabama. I agree. especially nice if you own it and: BB


    Message 10


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    Time: 02:55:17 PM PST US
    From: "John Hauck" <jhauck@elmore.rr.com>
    Subject: Re: re: AD insurance
    Forgot to mention in my previous, the four photos were taken as I was preparing to take off for Point Barrow, Alaska. All the cows and calves came over to bid me farewell. The first of this year the gentleman that was leasing the farm loaded up his cows and went elsewhere. For the first time in many years, I have a cow pattie free airstrip. Unfortunately, the weather has been so poor I am not getting much flying done, with or without cow manure. I miss the old cows, little baby calves, and those high strung adolecents that jump around and kick up their heels when I would confront them with the mkIII. Spring will be here before we know it, and another young man has leased the hay fields and pastures to raise beef cattle. Like the old herds before them, they will soon learn and become accustomed to living in and around Gantt International Airport and that noisy little flying machine that tries to make them move off the airstrip so it can land. Those photos were taken about 24 June 2004. On that trip I was gone for 48 days, flew about 175 hours. I made landings at: 1 - Leadville, CO (highest airport in the North American Continent at 9,927 feet ASL) 2 - Barrow, AK (Northernmost village in the North American Continent) 3 - Dead Horse/Prudhoe Bay, AK (end of the Dalton Highway (Pipeline Haul Road)) 4 - Kaktovik (Barter Island), AK (northeasternmost village in Alaska) 5 - Homer, AK 6 - Seldovia, AK (about 15 miles across Kachemak Bay south of Homer) 7 - Valdez, AK 8 - McCarthy, AK 9 - Tuktoyaktuk, Northwest Territory, Canada (northernmost village in the North American Continent in Canada) 10- Inuvik, NWT, Canada (at the northern end of the Dempster Highway (gravel for over 500 miles) 80 miles south of Tuktoyaktuk) While in the Barrow, AK, area, I landed on the beach of the Arctic Ocean, 12 miles south of Barrow, at the location of the fatal crash of Wiley Post and Wil Rogers in 1935; departed the beach and flew north over the Arctic Ocean and 5 miles beyond Point Barrow, AK, the northernmost point of the North American Continent. Amazing what these little Kolb airplanes will do, one leg at a time. Point the nose to where you want to go and fly. Normally takes me 7 days at 8 flight hours a day to reach North Pole, AK, from Gantt IAP, AL. North Pole is about 20 miles south of Fairbanks. john h mkIII - The little bird flew approximately 14,000 statute miles during that 48 day flight.


    Message 11


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    Time: 05:50:49 PM PST US
    Subject: Re: AD insurance
    From: "Ralph B" <ul15@juno.com>
    Here's what it looks like up here in the north country. These were taken on 1/13/10 in the Kolbra. Ralph Forest Lake airport, MN -------- Ralph B Original Firestar 447 N91493 E-AB 1000 hours 23 years flying it Kolbra 912UL N20386 2 years flying it 120 hrs Read this topic online here: http://forums.matronics.com/viewtopic.php?p=283158#283158 Attachments: http://forums.matronics.com//files/final_approach_forest_lake_704.jpg http://forums.matronics.com//files/runway_forest_lake_787.jpg


    Message 12


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    Time: 06:22:58 PM PST US
    Subject: Re: AD insurance
    From: robert bean <slyck@frontiernet.net>
    Ralph, I didn't realize MN is at sea level.. BB do not archive On 23, Jan 2010, at 8:49 PM, Ralph B wrote: > > Here's what it looks like up here in the north country. These were taken on 1/13/10 in the Kolbra. > > Ralph > Forest Lake airport, MN > > -------- > Ralph B > Original Firestar 447 > N91493 E-AB > 1000 hours > 23 years flying it > Kolbra 912UL > N20386 > 2 years flying it > 120 hrs > > > > > Read this topic online here: > > http://forums.matronics.com/viewtopic.php?p=283158#283158 > > > > > Attachments: > > http://forums.matronics.com//files/final_approach_forest_lake_704.jpg > http://forums.matronics.com//files/runway_forest_lake_787.jpg > > > > > > >


    Message 13


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    Time: 07:40:57 PM PST US
    From: "John Hauck" <jhauck@elmore.rr.com>
    Subject: Re: AD insurance
    > Here's what it looks like up here in the north country. These were taken on 1/13/10 in the Kolbra. > > Ralph > Forest Lake airport, MN Ralph/Gang: I landed there in 2000, but it didn'te look like that. Grass was lush and green. There was no one around. I kept heading north to Alaska. Enjoyed your photos. john h mkIII


    Message 14


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    Time: 07:42:23 PM PST US
    From: "John Hauck" <jhauck@elmore.rr.com>
    Subject: Re: AD insurance
    >> Here's what it looks like up here in the north country. These were taken on 1/13/10 in the Kolbra. >> >> Ralph Forgot to ask how you are keeping your eng oil and CHT in the green in cold country? john h mkIII




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