File #743: "WWII Office of Civilian Defense Civil Air Patrol GM-23.pdf"

WWII Office of Civilian Defense Civil Air Patrol GM-23.pdf

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Subject: Liability Insurance

All Unit Commanders

This insurance is provided by a master policy which has been
filed at National Headquarters of Civil Air Patrol. The insurers are
m e m b e r s o f , a n d r e p r e s e n t e d b y, A e r o I n s u r a n c e U n d e r w r i t e r s , A s s o c i a t e d
Aviation Underwriters, United States Aviation Underwriters, Inc., and
Newhouse and Sayre, Inc. (hereinafter referred to as the underwriters).
Samplecopies of the master policy will be available for distribution to
local units.~ Certificates of insurance, in card size form, will be issued
by underwriters to each pilot who pays the required premium. Particulars
of the policy are as follows:



On and after May 25, 1942, the carrying of this insurance shall
be compulso~, on all Civil Air Patrol operations which are performed at
t h e r e q u e s t o f , a n d w i t h f u n d s f u r n i s h e d b y, a n y f e d e r a l o r s t a t e g o v e r n men, of the Unite~ States, or any subdivision, 1~nit, deuartment or agency
thereof. No pilot shall be permitted to participate in any such operation
until he shall have in his possossion a certificate of insurance which has
been validated by one of the underwriters.



This ~nsurance may be secured by any Civil Air Patrol pilot from
a n y i n s u r a n c e a g e n t o r b r o k e r. T h e p i l o t m u s t m a k e p a y m o n t o f t h e r e q u i r e d
premium, at which time a certificate will be prepared for him ~nnd sent to
the nearest office of one of theunderwriters who will immediately validate
the certificate and mail it direct to him. The insurance will not take
effect until the pilot has roceivod a validated certificate.

4." COST
The master policy on file at National Headquarters will expire
on September 2, 1942 and all certificates to be issued thereunder will exp i r e s i m u l t a n e o u s l y. T h e p r e m i u m t o b e p a i d b y e a c h p i l o t w i l l b e d e t e r mined according to the following schedule:
If insurance

is taken out
" "
" "
" "

in May 1942 $ 9.50
" June 1942 $ 8.00
" July 19~ $ 7.00
"Augus t 1942 $ 5. O0




" "


T h e p o l i c y c o v e r s l i a b i l i t y i m p o s e d b y l a w, t o t h e f o l l o w i n g
limi t s :
Public Liability

- $50,000/$100,000

Passenger Liability - $50,000/$100,000 (provided that the pilot has
had a minimum of 150 hours of solo flying, of which at least 50 hours
shall have been cross-country time (at least I0 hours "of which had
been flown within the prior six months)
PropertF Damage

- $50,000

~he policy does not cover liability for injuries or damage during,
or in consequence .of:
a. 0pera%ion of the aircraft in violatio~ of either ~ederal regulations for
Civil Aviation or regulations of the Civil Air Patrol, with the knowledge or consent of the insured.
The use of the aircraft for a~v unlawful purpose with the knowledge of
the insured or resulting from, or arising in consequence of:

The act of any enemy of the United States.


The insured alrcr~ft of Its occupants being shot at or bombed by
a n y p e r s o n w h a t s o e v e r.


The participation of the aircraft or its occupants in actual


( r 4 ) I n s u r r e c t i o n , s t r i k e , r i o t , o r c i v i l w a r.

Upon payment by the pilot of the required premium, the following
are automatically covered: Civil Air Patrol, each officer or employee of
CAP wh~le engaged In his assigned duties, the owner of the aircraft, each
CAPpilot who has paid the required premium, and each passenger and crew
member riding~in an aircraft with him.~ Such coverage Is in effect only if:

The aircraft is a certified aircraft.


It is operated by a pilot who had pald his premium and is authorized to
o p e r a t e s u c h a i r c r a f t b y C A P.


Such aircraft at the time of the accident is then being operated directly
under CAP operations orders.













As soon as possible after the occurrence of any accident, the
pilot or the local GAP officer shall telegraph CAP National Headquarters
and any one of the insurance underwriters. This telegram should be supplemented by a written notice, both toNational Headquarters and to one of
the underwriters, containing fUll information concerning the accident.
Except at your own cost, do not incur any expensns except such
immediate surgical relief as is imperative at the time of the accident nnd
do not make any admission of liability without the written authority of
one of the underwriters.


T h e p o l i c y, o r t h n c e r t i fi c a t e o f i n s u r a n c e , h e l d b y a n y p i l o t
maybe cancelled as follows:

National Headquarters of CAP m~v cancel the entire policy and all
insurance afforded by the certificates at nny time.
The underwriters may cancel either the entire policy or the coverage
afforded by any certificate by mailing 20 days notice to the affected
p i l o t , h i s C A P W i n g C o m m a n d e r, a n d t h e C A P N a t i o n a l H e a d q u a r t e r s . I n
such cas~, there shall bc refunded to the pilot the excess premium
paid by him above the prorata premium for the expire~ term.

9 . S U M M A RY
The statements contained in this memorandum are merely a summary
o f t h e t e r m s a n d p r o v i s i o n s o f t h e l i a b i l i t y i n s u r a n c e p o l i c y. T h e y a r e
not intended to cover in detail all of the nxact terms, provisions, or
c o n d i t i o n s b u t s i m p l y s u m m a r i z e t h e m o r e i m p o r t ~ m t e l e m e n t s o f t h e p o l i c y.
Yo r t h e e x a c t d e t a i l s , r e f e r e n c e s h o u l d i n a l l c a s e s b e m a d e t o t h e p o l i c y

By direction of National Commander JOHNSON:

Legal Consultant