Hi Mr K,
You bring out a very good and little known point.
An anecdotal story from an FLYING mag (USA) many years ago was about a guy who hired a Mooney to go for a trip with his son - or family anyway - and in the course of the flight were flying over the Rockies in Colorado or similar under an overcast sky......
And......'Suddenly' during the cruise, the speed slowed dramatically, and noises were heard...and snow was coming in thru the bottom of the door....and then the aircraft actually stopped.....on a snow drift!
Well, they were able to climb out OK, collect their thoughts, and all had a good laugh - HA HA HA - at how 'lucky' they had been ...until they realised where they were.
Apparently it took them a couple of days to climb down to 'civilisation' and report the event - days before mobile phones etc -
Now the crunch.....because the aircraft was completely inaccessible, and 'UP THERE'....with no hope of recovery...couldn't fly it out, and in the Spring when the snow begins to melt....so the owner simply gave the guy the BILL for the TOTAL Value of the aircraft....like the sign in the glass shop - "If you break it - its YOURS!!"
The article was about the perils of lack of 'adequate' insurance.....
Cheers
You'all be careful out there....d'ya'hear??