USA Renting - Liability Insurance
Articles on Avweb and in Flyer strongly advise renters to take out "non-owner" insurance to cover 3rd pty liability (typically $1m per incident + $50000 per person) and property damage (=value of the rented aircraft).
Reasoning is that although the FBO/school insurance may (?) pay out on the claim, under the principle of subrogation, the Insurers will come after the pilot if he is liable. And we all know how US lawyers love to go after companies and people!
Cost is typically about $900 per year. In 2003, I was able to get a 3mths cover from Avemco on a pro-rata premium for a spell of flying, but such short term cover is no longer available from any of the three aviation insurers.
Hundreds of UK pilots go renting in USA but I don't recall this issue being much discussed on these fora before. Presumably that means everyone is relaxed about the risk, or I have misread the situation?