Fobotcso, I agree the insurance guys are onto something. Here's the policy for one of the planes I rent:
Hull: $40,000
Liability: $3,000,000
Annual premium: $2300
This is for a plane that's in the air 10-15 hours a day, often with students or low-timers like me as PIC. Compare that to auto policies- in my neck of the woods a new driver would pay almost that much for liability coverage only. However... I must agree that it's far less forgiving. Most air crashes are quite deadly while most car wrecks don't result in injury.