Insurance claim and handheld GPS
Posted: Wed Dec 12, 2007 5:14 pm
Something to beware of.
A friend of mine had a 172 and bought a Lowrance airmap color handheld GPS. Sold the airplane and bought a new LSA.
The LSA did not come with a GPS. His 172 had the GPS mounted to a clamp on yoke mount that came with the GPS.
Since the LSA did not have a yoke he ordered a RAM ball mount and attached it to the panel Then added his gps and powered it through the cigarett lighter plug.
He had an accident with the LSA. We removed the GPS after the accident but did not remove the ball. The claims agent came and after inspecting the airplane wondered what was mounted to the ball. We told him it was a Lowrance GPS and he said they could deny claim because it was not installed on the airplane legally or in weight and balance. But he would not and the claim went through.
A year and 2 months later the airplane comes up for bid on the AIG auction site.
Bidder comes to pick up airplane remains. Inventories everything and is happy. Leaves. Paid 6500 for remains of a 105,000 airplane. Many usable parts and parachute. Engine could also be repaired.
Just got a phone call from AIG. Bidder called them wondering about the Lowrance GPS listed on the spec sheet he bid on.
I told them it was a hand held and they argued it was their property. I said it was never in the airplane equipment, weight and balance and could be removed without using tools. Did not have any direct connection to aircraft power and no external antennas.
Is it theirs?
If I crash and the airplane is totalled do I lose my Bose headset? Portable Tcas? Cowl plugs, fuel tester, aftermarket step and towbar?
If I have wing covers on my 206 and another airplane taxis into the tail and totals it do I lose my wing cover set?
I've pretty much given up on insurance but this has me wondering because you cannot use a 337 to install anything in a SLSA so most people are using some kind of hand held device for a lot of things.
be careful what you carry I guess.
A friend of mine had a 172 and bought a Lowrance airmap color handheld GPS. Sold the airplane and bought a new LSA.
The LSA did not come with a GPS. His 172 had the GPS mounted to a clamp on yoke mount that came with the GPS.
Since the LSA did not have a yoke he ordered a RAM ball mount and attached it to the panel Then added his gps and powered it through the cigarett lighter plug.
He had an accident with the LSA. We removed the GPS after the accident but did not remove the ball. The claims agent came and after inspecting the airplane wondered what was mounted to the ball. We told him it was a Lowrance GPS and he said they could deny claim because it was not installed on the airplane legally or in weight and balance. But he would not and the claim went through.
A year and 2 months later the airplane comes up for bid on the AIG auction site.
Bidder comes to pick up airplane remains. Inventories everything and is happy. Leaves. Paid 6500 for remains of a 105,000 airplane. Many usable parts and parachute. Engine could also be repaired.
Just got a phone call from AIG. Bidder called them wondering about the Lowrance GPS listed on the spec sheet he bid on.
I told them it was a hand held and they argued it was their property. I said it was never in the airplane equipment, weight and balance and could be removed without using tools. Did not have any direct connection to aircraft power and no external antennas.
Is it theirs?
If I crash and the airplane is totalled do I lose my Bose headset? Portable Tcas? Cowl plugs, fuel tester, aftermarket step and towbar?
If I have wing covers on my 206 and another airplane taxis into the tail and totals it do I lose my wing cover set?
I've pretty much given up on insurance but this has me wondering because you cannot use a 337 to install anything in a SLSA so most people are using some kind of hand held device for a lot of things.
be careful what you carry I guess.