Tuesday, May 25, 2010
Light-Sport Chronicles: Gold Stars & Black Stars
Reviewing last year’s LSA accidents shows improvements...and shortcomings
Another contributor is the inability to consistently handle gusts and crosswinds. “I don’t know whether to pick on CFIs or not, because we don’t know how many take students out on crosswind days for practice. But it might also simply be lack of practice by rated pilots,” says Mike. “If you’ve checked conditions and you’re adequately trained, there’s no reason you shouldn’t be able to slip or crab to a landing without loss of directional control. I learned to fly at an airport with a main runway and a crosswind runway. We’d practice in crosswinds. I learned that if you can’t handle it, you can always switch to the other runway.”
Mike also sees improvement in the availability of LSA parts, qualified repair technicians and qualified instructors: “I give a lot of credit to the manufacturers. When we talked to them about these issues, the makers of the more popular models got right with the program.”
He notes that potential and existing customers still push back about Avemco’s requirement that flight reviews be conducted with instructors qualified in the specific model the insured pilot flies. “If I need brain surgery, I want a neurosurgeon, not a proctologist. If you’ve never taught in a particular model, why would you want to check someone out in it in the first place, if you know nothing about it? Instructors familiar with an airplane make a big difference. I expect Cessna will be on track when it begins to deliver in numbers. And as the PiperSport enters the network, we hope Piper’s network will support it. A bigger pool of insured pilots certainly helps keep rates affordable for everybody.”
Speaking of rates, in spite of the sub-stellar accident picture, Avemco hasn’t raised base S-LSA premiums going into 2010. “We’ll hold rates and continue to offer incentives, such as credits for accident-free periods, hangar storage and ongoing flight training,” explains Mike.
For example, if you buy a PiperSport, own it two years and have no losses, Avemco will write you a new policy with a 15% credit. Although many policies bought in late 2009 still have several months to go, some initial loss figures indicate an uptick in claims. “Perhaps pilots are rustier: The poor economy may mean they’re doing less flying,” says Mike. “It could also indicate an increase in new-to-S-LSA pilots.”
Looking at the overall challenge of underwriting what’s still a brand-new industry, I asked about the pitfalls of insuring troubled aircraft, such as the Zodiac 601XL, which has had several fatal crashes, though most of those were built by their owners.
“Anyone we’re already insuring—and we do have a couple Zodiac claims, I believe—will retain the same coverage they’ve had,” offers Mike. “But we’re not anxious right now to take on more of that kind of risk. I’m still a little cautious about ASTM and self-certification, and how aerodynamic or structural problems like Zodiac’s will be resolved. Will owner-builders and repair shops have the wherewithal to make modifications properly? We don’t know yet.”
On the flip side, Mike praises the durability of S-LSA crash cages: “They’re doing a good job of protecting occupants. We’ve had very few bodily injury claims. What’s driving our loss ratio are the dollars paid for repairs and parts.”
The writing is on the sky, fellow sport pilots: Let’s practice those landings. Get sharp, stay sharp! The benefits to you, your passengers and the industry as a whole go way beyond keeping insurance premiums affordable.
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