Which of the following best describes pilot accident insurance?

• A. It protects pilots and crew members in the event of an accident
• B. It covers only passengers
• C. It covers only hull damage
• D. It covers property damage

Answer: (A)

Pilot accident insurance is personal coverage for the people operating the flight—the pilots and crew. It pays benefits if they’re injured or killed in an aviation accident, giving financial protection directly to those individuals. It’s not about the aircraft or other people on board.

This is why it’s the best description: the policy is focused on the crew rather than the airplane or passengers. It does not cover passengers, which would be passenger accident coverage; it does not cover the aircraft itself, which would be hull damage; and it does not cover property damage to others, which falls under liability or third-party property damage.