Lets say you bend the plane.
The FBO will probably be insured for the value of the hull less the excess, which is what they call the 'deductable' over here. You get to write the FBO a cheque (what they call a 'check' over here
) for the deductable. You might also get charged for loss of their earnings while they are fixing the plane. This
should work out to maybe $50 per day, but things are not always fair.
Deductables are usually around a couple of thousand bucks, but can be more if you are flying a taildragger or twin.
Depending on the FBO's arrangement with their insurance company, there might be a 'subrogation' clause. That means the insurance company can come after
you for the money they paid the FBO. Usually (and I mean usually) they will only do this is you screw up right royally. You
usually would have to be grossly negligent for them to do so, like depart into a thunderstorm without checking the weather. Something like running off the runway because you were a little careless would not be enough.
Usually.
You can buy renter insurance from
Avemco. Get $5000 aircraft damage and you will cover the FBO loss. I wouldn't worry about subrogation, you fly a plane and you take a risk. Subrogation is low down on the list. Also make sure you have medical cover for flying, you can get that with your UK travel insurance for a small load.
FFF
Phoenix itself is a nice place to live,
Though you normally post good stuff, I think you are starting to lose it
. Phoenix is one of the most boring places on earth!! There is one good thing about the winter: I am sitting here in shorts and a T-shirt - yet in my bag under the desk are my jeans, raincoat, wooly hat, boots and thick jumpers. Just preparing for the weather in London tomorrow