Q: What is the highest limit of liability that AOPA Insurance will provide? And, what factors do you use to determine premiums? A: AOPA Insurance Services is an insurance broker; we represent numerous insurance carriers. Our carriers will use many factors to determine premiums. Items such as aircraft type (number of seats, horsepower, gear configuration, aircraft age, et cetera), pilot qualifications (total hours; hours in the make/model; instrument rating; pilot accident history, if any), and use (personal use or flying for hire) all are determining factors in regard to premiums.
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