Originally Posted by
ATC Watcher
On the insurance ... liability for 3rd party insurance it is mandatory
And what does your insurance say about passengers? In this case, no third party was harmed, but instead a very "precious" (in terms of money) passenger. On commercial air transport there is a minimum (ridiculously low!) sum for which every passenger is insured, with private flights there is usually none at all. So all claims will be go directly to the pilot in command (or his estate) or to whoever is deemed responsible by the lawyers working on the case.