Aviation

World Aviation Accidents

In 2015 more than 3.5 billion people flew safely on 37.6 million flights, according to the International Air Transport Association. The global accident rate (as measured by the rate of hull losses on Western-built jets) was 0.32 in 2015, or about one major accident for every 3.1 million flights. This compares with an accident rate of 0.27 in 2014. (A hull loss is an accident in which the aircraft is destroyed or substantially damaged and is not subsequently repaired.) There were 68 accidents in 2015 (on Eastern- and Western-built aircraft), down from 77 in 2014. The Germanwings flight 9525 and Metrojet 9268 losses that resulted in the deaths of 374 passengers and crew are not included in the statistics because they were caused by deliberate acts of unlawful interference, namely pilot suicide and suspected terrorism.

The deadliest world aviation accident was the collision of two Boeing 747 passenger planes on the runway of an airport in the Spanish island of Tenerife in 1977. The crash resulted in the deaths of 583 out of 644 passengers according to the Geneva-based Aircraft Crashes Record Office’s list of Worst Aviation Accidents.

United States

In the United States the National Transportation Safety Board compiles data on aviation flight hours, accidents and fatalities for commercial and general aviation.

Commercial airlines are divided into two categories according to the type of aircraft used: aircraft with 10 or more seats and aircraft with fewer than 10 seats. The nonscheduled commercial aircraft with more than 10 seats are also called charter airlines. Commercial airlines flying aircraft with fewer than 10 seats include commuter (scheduled) airlines, and on-demand air taxis. General aviation includes all U.S. noncommercial or privately owned aircraft.

In fiscal year 2015 about 786 million people flew on commercial airlines in the United States, up 4.0 percent from 2014. The Federal Aviation Administration projects that more than 1 billion people will fly on scheduled commercial airlines in the United States annually by 2031.

Drones

The number of drones sold in the United States is projected to grow from 2.5 million units in 2016 to 7 million in 2020, according to the Federal Aviation Administration (FAA). These figures include commercial and hobbyist drones.  The FAA requires owners of hobbyist and commercial drones weighing more than 0.55 and less than 55 pounds to register them and mark them with a registration number. By March 2017, the FAA said its online drone registry received about 770,000 registrations in 15 months. Larger drones—weighing over 55 pounds—must register with the FAA as traditional aircraft.

Insurance Coverage: If a drone is damaged in an accident it is most likely covered under a homeowners insurance policy (subject to a deductible). Coverage also applies to renters insurance. The liability portion of a homeowners or renters policy may provide coverage against lawsuits for bodily injury or property damage that a policyholder causes to other people with a drone. It may also cover privacy issues–for example if a drone inadvertently takes pictures or videotapes a neighbor who then sues the policyholder. It will not cover any intentional invasion of privacy. The policy will cover theft of a drone. Damage or injuries caused by a drone used for commercial (i.e. business) purposes will not be covered by a homeowners policy.

A no-fault medical coverage policy may provide no-fault medical coverage if  someone is accidentally injured by your drone. However, this coverage will not pay medical bills for a policyholder’s family members or pets if they are injured by the policyholder’s drone.   

If a policyholder’s drone crash-lands into his or her car, damage may be covered under auto insurance’s optional comprehensive insurance.

Damage caused by drones that are used for commercial or business purposes may be covered by endorsements to commercial liability insurance.