What is the different between Bodily Injury and Property Damage & Coverage for damage to non-owned aircraft?

bodily injury , property damage others liability coverage, , pays out third party. therefore, if rented plane, , crashed person's house, bi/pd cover damage house , injuries occupants of house. not cover injuries you, or aircraft rented.

damage non-owned aircraft coverage cover aircraft itself, in damaged while in care , control. reason coverage more expensive likeliness of loss.

typical flight, not crash plane, cause massive injury others, or damage huge amounts of property. therefore, insurance company can relatively sure out of 1,000 liability policies write, pay out on 1 of them. not true of damage rented aircraft.

think this: how easy ding plane small way? in cessna 172, example, pull hard on yoke @ high power, , strike tail. small accident, sure, 1 costs owner money in repairs , inspections. or accidentally step on wrong part of wing getting piper warrior, again, small damage, expensive repair. rental company hold responsible damage plane, insurance company sees far more claims type of coverage, 40-50 in 1,000 policies. , since these claims can costs thousands of dollars, charge appropriate amount.

renter's insurance expensive, there no doubt, not expensive claim if didn't have it.

renter insurance question continue..... ??

how come optional coverage damage non-owned aircraft cost more @ least 5 times more basic bodily injury , property damage in order have meaningful compensation amount in case unfortunate pilot needs ?

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