12. 保險 Insurance

　　•保險給付範圍 Insurance Coverage

　　　於本校單飛或租機前須知
　　　What you need to know before you solo or rent an airplane from The Flight School

　　　基本責任險：
　　　本校承保的基本責任險保單為一工業標準保險單，包括：每一事故理賠金額為美金$1,000,000，每名乘客理賠金額為美金$100,000。每架飛機另外投保人身
　　　傷害與醫療保險給付項目以及飛機機身保險項目。
　　　Basic Liability:
　　　The Flight School is covered by a basic liability insurance policy that is an industry standard policy of $1,000,000 per occurrence and $100,000 per passenger. There is additional
　　　personal injury coverage and Medical coverage as well as hull coverage for each airplane.

　　　自付(減免扣除)額：
　　　依照飛機型別及狀況，有幾種不同方式的自付額。每一事故的基本自付額為美金$2500。意即表示，如果使用本校飛機發生輕微事故，學員必須先行負擔
　　　美金$2500。
　　　Deductibles:
　　　There are various deductibles on the fleet depending on the airplane and the situation. The basic deductible is $2500 in motion. This means that if YOU have a minor accident
　　　with one of the The Flight School planes YOU are responsible for the first $2500 of the damage.

　　　代替清償：
　　　當事故發生時，即使肇事原因並非來自學員，保險公司仍可能要求學員賠償損失。如果學員名下擁有其它資產的話，這將會是非常昂貴及嚴重的賠償。
　　　Subrogation:
　　　This is a big fancy word that simply means that if you have an accident in one of the The Flight School airplanes it is possible that our insurance company can try to collect from 
　　　you even if the accident was not your fault. (Heh! I don't make the rules!). This could be an expensive problem for you, especially if you have property or other assets that could
            be at risk.

　　　承租人保險：
　　　AOPA保險公司提供一種較為廉價的工業保單，一旦發生事故理賠時，是非常划算的。每年只需繳交美金$220保費，即可投保保額美金$250,000的傷害醫療
　　　險與財產損失責任險，以及保額美金$5000的飛行學校飛機損失險；該保額應足以包含保險自付額及飛機於修復期間的營運損失。
　　　Renters Insurance:
　　　AOPA provides an industry wide renters insurance policy that is inexpensive and, given the risk, is well worth the expense. For as little as $220 per year you can purchase
　　　$250,000 bodily injury and property damage liability as well as $5000 coverage for damage to the The Flight School aircraft which is sufficient to cover the primary insurance
　　　deductible as well as loss of business use while the aircraft is repaired.

　　　已有執照的飛行員租機辦法：
　　　我們的飛行學校飛機租用辦法自即日起生效，凡是已有執照的飛行員未能提出承租人保險保單證明，不得租用本校飛機。如飛行員未購買承租人保險保單而欲
　　　自行投保，則必須另外開立美金$2500之一次給付存款帳戶，萬一發生事故時可扣抵美金$2500之保險自付額 。本辦法係為保障本校的權益，但不一定能保
　　　障飛行員。
　　　The Flight School Rental Policy for licensed pilots:
　　　It is The Flight School policy that, effective immediately, no licensed pilot will be permitted to rent a Flight School aircraft without proof of renters insurance. If a pilot wishes
　　　to self-insure, in lieu of renters insurance that pilot may make a one time deposit of $2500 that will be held in a separate account and used only in the event of an accident to cover
　　　the deductible. Note this protects The Flight School but does not necessarily protect the pilot.

　　　單飛前的飛行學員租機辦法：
　　　自2005年8月1日起生效，凡是飛行學員未能提出承租人保險保單證明，不得租用飛行學校飛機作單飛飛行訓練。如飛行學員未購買承租人保險保單而
　　　欲自行投保，則必須另外開立美金$2500之一次給付存款帳戶，萬一發生事故時可扣抵美金$2500之保險自付額 。對於有大額存款帳戶的學員而言，於同
　　　意及瞭解本辦法後，存款帳戶將會被視作飛機損壞時的抵押品；一旦發生事故時，帳戶將會被扣款。
　　　The Flight School policy for student pilots prior to solo flight:
　　　Effective August 1, 2005 no student pilot will be permitted to fly solo in a Flight School's aircraft without proof of renters insurance. If a student pilot wishes to self-insure, in lieu of
　　　renters insurance that pilot may make a one time deposit of $2500 that will be held in a separate account and used only in the event of an accident to cover the deductible.
　　　For those students who have large Key Bank deposit accounts, I can consider your Key Bank account as collateral against possible damage so long as you agree and
　　　understand that, in the event of a "fender bender" your account will be charged.

　　　醫療意外險：
　　　我們的飛行學校不提供額外的醫療或意外險給入學學員。如學員有需要時，本校將盡量協助提供其它保險辦法。
　　　Medical and Accident Insurance:
　　　At this time there is no provision for and additional medical or accident insurance for students attending The Flight School. If this is a requirement, we will research it and try to offer
　　　 somealternative solutions.

　　《回到飛行學校簡介》