courierguy wrote:Talk about stating the obvious.....of course those kinds of high AOA ops are depentant on the engine continuing to operate, some pilots are prepared to KNOWINGLY take that risk, their risk tolerance has nothing to do with your insurance rates, get off it.
While acknowledging everyone's right to make their own decisions and knowingly take what they believe to be acceptable risks, I could not disagree more with the highlighted statement. "High risk tolerance"
by definition means routinely accepting higher risk activity. And repeatedly performing high risk activity does, in fact, result in higher insurance rates.
Here NE Texas, the terrain is basically flat, and there are roads and fields all over the place that can be used for emergency landings. Heck, if you're flying above 4000 feet MSL, you're seldom out of gliding range of an airport with a paved runway! Many (the majority?) of those airports have some form of AWOS, and radar contact with ATC is pretty ubiquitous. And finally, if the weather is "marginal," driving your car to the destination is ALWAYS a viable option... Thus, flying in NE Texas is inherently "lower risk" than flying in Alaska...
Flying in Alaska means flying over FAR rougher terrain, where 'improved' surface landing surfaces are rare. The weather patterns are more complex, and there are a lot fewer weather reporting stations. But possibly most importantly, for many "aviation" missions, there is simply no practical "ground transportation" alternative. You get there by air, or you don't get there without some serious difficulty... A "no-go" decision often carries a lot bigger consequences for the Alaska community than we would face here in Texas. It's not that Alaska pilots are being cavalier about accepting risks in their flying, but that there is greater benefit (to them and to others) that outweighs the risk in general. Getting medicine or food or needed building supplies to someone who has zero alternatives outweighs the increased risk.
But that higher risk exposure and acceptance in Alaska does in fact result in higher insurance rates, because the insurance companies pay out a higher percentage of the time than they do in Texas (and most of the lower 48 as well - I'm just picking on my home state). So, yes, higher risk tolerance leads to higher accident rates which lead to higher insurance costs, because insurance companies spread the financial risk across the insured pool. Thus all our our insurance costs increase accordingly... It's "ostrich mentality" (head in the sand) to think otherwise...