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OFFICE OF CIVILIAN DEFENSE
WASHINGTON, D.C.
CIVIL AIR PATROL
NATIONAL HEADQUARTERS
WASHINGTON, MAY 15, 19&2
Subject: Accident Insurance
To:
All Unit Commanders
i. G FmAL
This insurance is provided by a master policy which has
been filed at National Headquarters, Civil Air Patrol. The ins u r e r u n d e r t h i s p o l i c y i s G r e a t A m e r i c a n I n d e m n i t y C o m p a n y, a
member of Aero Insurance Underwriters. Sample copies of this
master policy ~ll be available for distribution to local units.
Insurance may be obtained at this time by any member of Civil Air
P a t r o l w h o i s t o p a r t i c i p a t e a s a p i l o t , p a s s e n g e r, o r m e m b e r o f
the crew of an aircraft engaged in Civil Air Patrol operations
which are performed at the request of, and with funds furnished
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 m e n t o f t h e U n i t e d S t a t e s , o r a n y
subdivision, unit, department, or agency thereof. Particulars of
the policy are as follows:
2. C0b~ULSORY
On and after June I, 19&2, this insurance shall be carried
b y a l l C i v i l A i r P a t r o l m e m b e r s p a r t i c i p a t i n g a s p i l o t , p a s s e n g e r,
or member of the crew of an aircraft engaged in all Civil Air Patrol
operations which are performed at the request of, and with funds
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 m e n t o f t h e U n i t e d S t a t e s ,
or any subdivision, unit, department, or agency thereof. No such member shall participate in any such operation until he shall have completely filled out amd signed an application for this insurance on a
form, supplies of which will be distributed for this purpose to Civil
Air Patrol units,
3.
HOW TO SECURE THE INSURANCE
The master policy on file at National Headquarters will expire on March 2, 19&3 and all insurance provided thereunder will then
termS nate. This insurance may be secured by anyCivil Air Patrol member who is to participate as indicated above in the operations specified above. Prior to the time he first participates in any of said
operations, he must complete and sign an application for such insurance on a card size application form which the Base Commander or Wing
Commander can furnish to him. In filling in this form, the given
name of the desired beneficiary must be stated and the insured' s
~,I-I127
:
.
.
.
address must be detailed and complete. Such application should then
be sent at once to National Headquarters by the Base Commander or
other Civil Air Patrol Commander who is in charge of the operations.
When such applications are forwarded to Headquarters, the Commander
should also forward, in duplicate, an alphabetical list of the CAP
members for whom applic'ations are enclosed. No further procedure is
necessary to put this insurance into effect.
COST
The premimum charge for this insurance Will. depend on the'
nature of the Civil Air Patrol operation in which the particular member
is participating and will be computed on a flying hour~'ba~is. The
hourly premium for insurance on various types of operations is as follows:
Ty p e o f O p e r a t i o n
H o u r l , y C o s t p ~ e r. A i r c r a f t _
Coastal patrol
Courier Service
Miscellaneous services for state and
federal,defense agencies
Forest patrol
.166#-k'-~
Pipe line patrol
.187
The insurance Dremimum is based On the contemplation that'a Civil Air
Patrol pilot and observer will customarily fly in each aircraft engaged in this type of operation. The hourly cost indic~ted.ls the
accident insurance premimum cost for the entire aircraft and the same
prem!mum chargewill prevail for each aircraft Whether there are, in
f a c t . , o n e , t w o , o r. t h r e e o c c u p a n t s .
. '
Theinsurance premimumfor these operations is based on the cofitemp l a t i o n . t h a t a C i v i l A i r P a t r o l p i l o t , , ~ £ 11 c u s t o m a r i l y b e t h e o n l y
o c c u p a n t o f e a c h a i r c r a f t . I "f t h e o p e r a t i o n s a r e S u c h t h a t m o r e t h a n
. e
one member will customarily occupy an aircraft, this information
s h o u l d b e f u r n i s h e d t o N a t i o n a l H e a d q u a r t e r s a n d a n e w. p r e m i u m
chargo for the air~raft engaged in such other operate.ons will.be. "
'
furnished.
~en operations which do not fall Within one of the. above, categories
are set up, a schedule of oremium charges will be worked, out.
5. HOW Pi~Y~NT IS ~'mE
For the use0f aircraft in Civil Air Patrol operations Which
a r e p e r f o r m e d a t 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 l s h e d b y, a n y f e d e r a l
or state g6vernment of the United states, or anY subdivision, unit 'department, or agency thereof, there will be received by the aircraft owner an
hourly allowancefor the use of such aircraft., This allowance~i vary
according to the type of operations inwhich the aircraft is to be involved
M-I127
and has been dete.~mined v~th the consideration of the cost of carrying
accident insurance on the Ci~P personnel ~;ho will be occupants of such
aircraft.
Th~ doily operations report forms which are to be submitted to
Nations& Headquarters for each of these operations "~ill state the exact
hours and minutes each a-ircraft is used. One of the columns on such
forms pro~des for the insertion of the name of she pilot engaged in each
operation. In this column should also be repo1~ed the name of the
o b s e r v e r, o r o b s e r v e r s , w h o w e r e fl y i n g ~ t h e a c h o f t h e p i l o t s o n e a c h
of the operations. From these figures there can be ascertained not otlly
the ~mount due the o~:mer from the employing agency but also the amount
~.hich the o~ner orres the insurance company for accident insurance on
the occuoants of the ship. These daily operations reports should be
submitted to National Headqu~wters in dupl!cate so th~.t the duplicate
cDoy may be forwarded to .~ero Insurance Underr:riters and the premium
computed. The Base Co~mmander or the ?ling Commander of Civil f~r Patrol
vgno is in charge of each of the operations ~,~ll then be advised at
periodic intervals of the exact pr~,mm due from each of the aircraft
ovmers for accident insurance on the personnel of their shies. Checks
in pa~mqant of such premiums, payable te Acre Insurance Under~iters~
should thereupon be sent to National Headquart.ers of Civil Air Patrol.
~No checks should be delivered to the aircraft o'~mers until proper arrangements have been made for the pa2ment of the accident insurance
prami~m charges.
~le policy provides inde~.~mity for loss of life, limb, sight,
and other specified losses to Civil Air Patrol pilots or observers which
a r e c a u s e d b y, o r r e s u l t f r o m , b o d i l y i n j u r i e s s u s t a i n e d s o l e l y t h r o u g h
accidental means:
(a)
? ~ i l e fl i n g a s a p i l o t , p a s s e n g e r, o r m e m b e r o f t h e c r m { ~ o f a n
aircraft directly under Civil ~ir Patrol operations orders.
(b)
By being r~n dovm or struck by any landing, taking#o~f, or t~iing aircraft, or the moving propeller of a~ZJ aircraft ~;hile on an
airport @±r~:ctly under Civil .~ir Patrol operations orders.
(c)
D u e t o d r o v m i n ~ o r e x p o s u r e v ~ n i l e a v, a i t i n g r e s c u e a s a d i r e c t r e - .
suit of a forced landing of an aircraft during a flight made directly
under Civil Air Patrol operations ordGrs.
If such injuries result directly and independently of all other
causes ~ithin 90 dens from the date of accident in emy of the losses
s p e c i fi e d b e l o w, t h e f o l l o v ~ n g s u _ m s w ' ~ ! l b e p a i d :
For loss of life
Roth hands and both feet
Both eyes
One hand and one foot
One hand and one eye
One foot and one eye
One hand or one foot
One eye
~I127
~%000
$3,o00
3,000
~3,000
~3,000
$3,ooo
$1,5oo
1,5o0
3
"Loss" shall mean, with regard to hands or feet, dismemberment by severance through or above the wrist or ankle joint.
"Loss" shall mean, with regard to eyes, the entire and irrecoverable loss
of sight.
If any injuries are accidentally sustained in the manner specified in
subparagraphs (a), (b), and (c) as set forth above, and directly and
independently of all other causes require v~thin 26 weeks from the date
of the accident treatment by a physician or surgeon, hospit~1 confinement,
or the employment of a trained nurse, the company will pay in addition to
any amounts which may be payable in accordance with the schedule above,
the actu~l expense of such treatment, hospital charges, and nurses' fees
up to the limit of $500.
The coverage shall automatically attach as soon as the individual
Civil Air Patrol pilot or observer has filed a completed application form
for accident insurance ~ith a Base Commander or other Commander of the
Civil f~r Patrol.
The insurance under the policY does not cover any loss during, or
c a u s e d b y, a n y fl y i n g u n l e s s s u c h fl i g h t i s w i h i n t h e c o n t i n e n t a l l i m i t s
of the United States of f~erica, the territory of ~laska, all land in
Canada and Mexico v~thin lOO miles from the international boundary
between said countries and the United States of f~erica, and all waters
within 25 miles of the coastlines of the territory above described, and
is being performed directly under Civil ~r P~.trol operations orders.
The insurance does not cover hernia, nor suicide, nor any attempt
t h e r e a t ( s a n e o r i n s a n e ) , n o r a n y l o s s c a u s e d d i r e c t l y o r i n d i r e c t l y,
w h o l l y o r p a r t l y,
(i)
By bacterial infections (excepting pyogenic infections which shall
occur through an accidental cut or wound), or
(2)
By any other kind of disease, or
(3)
Injuries sustained by being shot at or bombed by any person whats o e v e r, o r
(~)
Participation by the insured in actual hostilities.
7.
IN C#~$E OF ACCIDENT
As soon as ~ossible after the occurrence of any accident, the
i n j u r e d p e r s o n , o r t h e B a s e C o m m a n d e r, o r W i n g C o m m a n d e r, o r s o m e o n e
representing the injured person shall give written notice'of the injury
t o 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 , i i i J o h n S t r e e t , N e w Yo r k , N e w Yo r k , w i t h
particulars sufficient to identifythe injured person and the nature of
t h e i n j u r y.
8.
SUMMLRY
The statements contained in this memorandum are merely a
s u m m a r y 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 a c c i d e n t i n s u r a n c e p o l i c y.
M-1127
They are not intended to cover in de~ail all of the exact terms,
provisions, or conditions but simply s~i~narize the more important
e l e m e n t s o f t h e p o l i c y. F o r t h e e x a c t d e t ~ i l s , r e f e r e n c e s h o u l d i n
all cases be made to the policy itself.
By direction of National Commander JOHNSON:
HENRY,,.~ IL'.WGOOD
Legal Consultant
M-I127
WASHINGTON, D.C.
CIVIL AIR PATROL
NATIONAL HEADQUARTERS
WASHINGTON, MAY 15, 19&2
Subject: Accident Insurance
To:
All Unit Commanders
i. G FmAL
This insurance is provided by a master policy which has
been filed at National Headquarters, Civil Air Patrol. The ins u r e r u n d e r t h i s p o l i c y i s G r e a t A m e r i c a n I n d e m n i t y C o m p a n y, a
member of Aero Insurance Underwriters. Sample copies of this
master policy ~ll be available for distribution to local units.
Insurance may be obtained at this time by any member of Civil Air
P a t r o l w h o i s t o p a r t i c i p a t e a s a p i l o t , p a s s e n g e r, o r m e m b e r o f
the crew of an aircraft engaged in Civil Air Patrol operations
which are performed at the request of, and with funds furnished
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 m e n t o f t h e U n i t e d S t a t e s , o r a n y
subdivision, unit, department, or agency thereof. Particulars of
the policy are as follows:
2. C0b~ULSORY
On and after June I, 19&2, this insurance shall be carried
b y a l l C i v i l A i r P a t r o l m e m b e r s p a r t i c i p a t i n g a s p i l o t , p a s s e n g e r,
or member of the crew of an aircraft engaged in all Civil Air Patrol
operations which are performed at the request of, and with funds
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 m e n t o f t h e U n i t e d S t a t e s ,
or any subdivision, unit, department, or agency thereof. No such member shall participate in any such operation until he shall have completely filled out amd signed an application for this insurance on a
form, supplies of which will be distributed for this purpose to Civil
Air Patrol units,
3.
HOW TO SECURE THE INSURANCE
The master policy on file at National Headquarters will expire on March 2, 19&3 and all insurance provided thereunder will then
termS nate. This insurance may be secured by anyCivil Air Patrol member who is to participate as indicated above in the operations specified above. Prior to the time he first participates in any of said
operations, he must complete and sign an application for such insurance on a card size application form which the Base Commander or Wing
Commander can furnish to him. In filling in this form, the given
name of the desired beneficiary must be stated and the insured' s
~,I-I127
:
.
.
.
address must be detailed and complete. Such application should then
be sent at once to National Headquarters by the Base Commander or
other Civil Air Patrol Commander who is in charge of the operations.
When such applications are forwarded to Headquarters, the Commander
should also forward, in duplicate, an alphabetical list of the CAP
members for whom applic'ations are enclosed. No further procedure is
necessary to put this insurance into effect.
COST
The premimum charge for this insurance Will. depend on the'
nature of the Civil Air Patrol operation in which the particular member
is participating and will be computed on a flying hour~'ba~is. The
hourly premium for insurance on various types of operations is as follows:
Ty p e o f O p e r a t i o n
H o u r l , y C o s t p ~ e r. A i r c r a f t _
Coastal patrol
Courier Service
Miscellaneous services for state and
federal,defense agencies
Forest patrol
.166#-k'-~
Pipe line patrol
.187
The insurance Dremimum is based On the contemplation that'a Civil Air
Patrol pilot and observer will customarily fly in each aircraft engaged in this type of operation. The hourly cost indic~ted.ls the
accident insurance premimum cost for the entire aircraft and the same
prem!mum chargewill prevail for each aircraft Whether there are, in
f a c t . , o n e , t w o , o r. t h r e e o c c u p a n t s .
. '
Theinsurance premimumfor these operations is based on the cofitemp l a t i o n . t h a t a C i v i l A i r P a t r o l p i l o t , , ~ £ 11 c u s t o m a r i l y b e t h e o n l y
o c c u p a n t o f e a c h a i r c r a f t . I "f t h e o p e r a t i o n s a r e S u c h t h a t m o r e t h a n
. e
one member will customarily occupy an aircraft, this information
s h o u l d b e f u r n i s h e d t o N a t i o n a l H e a d q u a r t e r s a n d a n e w. p r e m i u m
chargo for the air~raft engaged in such other operate.ons will.be. "
'
furnished.
~en operations which do not fall Within one of the. above, categories
are set up, a schedule of oremium charges will be worked, out.
5. HOW Pi~Y~NT IS ~'mE
For the use0f aircraft in Civil Air Patrol operations Which
a r e p e r f o r m e d a t 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 l s h e d b y, a n y f e d e r a l
or state g6vernment of the United states, or anY subdivision, unit 'department, or agency thereof, there will be received by the aircraft owner an
hourly allowancefor the use of such aircraft., This allowance~i vary
according to the type of operations inwhich the aircraft is to be involved
M-I127
and has been dete.~mined v~th the consideration of the cost of carrying
accident insurance on the Ci~P personnel ~;ho will be occupants of such
aircraft.
Th~ doily operations report forms which are to be submitted to
Nations& Headquarters for each of these operations "~ill state the exact
hours and minutes each a-ircraft is used. One of the columns on such
forms pro~des for the insertion of the name of she pilot engaged in each
operation. In this column should also be repo1~ed the name of the
o b s e r v e r, o r o b s e r v e r s , w h o w e r e fl y i n g ~ t h e a c h o f t h e p i l o t s o n e a c h
of the operations. From these figures there can be ascertained not otlly
the ~mount due the o~:mer from the employing agency but also the amount
~.hich the o~ner orres the insurance company for accident insurance on
the occuoants of the ship. These daily operations reports should be
submitted to National Headqu~wters in dupl!cate so th~.t the duplicate
cDoy may be forwarded to .~ero Insurance Underr:riters and the premium
computed. The Base Co~mmander or the ?ling Commander of Civil f~r Patrol
vgno is in charge of each of the operations ~,~ll then be advised at
periodic intervals of the exact pr~,mm due from each of the aircraft
ovmers for accident insurance on the personnel of their shies. Checks
in pa~mqant of such premiums, payable te Acre Insurance Under~iters~
should thereupon be sent to National Headquart.ers of Civil Air Patrol.
~No checks should be delivered to the aircraft o'~mers until proper arrangements have been made for the pa2ment of the accident insurance
prami~m charges.
~le policy provides inde~.~mity for loss of life, limb, sight,
and other specified losses to Civil Air Patrol pilots or observers which
a r e c a u s e d b y, o r r e s u l t f r o m , b o d i l y i n j u r i e s s u s t a i n e d s o l e l y t h r o u g h
accidental means:
(a)
? ~ i l e fl i n g a s a p i l o t , p a s s e n g e r, o r m e m b e r o f t h e c r m { ~ o f a n
aircraft directly under Civil ~ir Patrol operations orders.
(b)
By being r~n dovm or struck by any landing, taking#o~f, or t~iing aircraft, or the moving propeller of a~ZJ aircraft ~;hile on an
airport @±r~:ctly under Civil .~ir Patrol operations orders.
(c)
D u e t o d r o v m i n ~ o r e x p o s u r e v ~ n i l e a v, a i t i n g r e s c u e a s a d i r e c t r e - .
suit of a forced landing of an aircraft during a flight made directly
under Civil Air Patrol operations ordGrs.
If such injuries result directly and independently of all other
causes ~ithin 90 dens from the date of accident in emy of the losses
s p e c i fi e d b e l o w, t h e f o l l o v ~ n g s u _ m s w ' ~ ! l b e p a i d :
For loss of life
Roth hands and both feet
Both eyes
One hand and one foot
One hand and one eye
One foot and one eye
One hand or one foot
One eye
~I127
~%000
$3,o00
3,000
~3,000
~3,000
$3,ooo
$1,5oo
1,5o0
3
"Loss" shall mean, with regard to hands or feet, dismemberment by severance through or above the wrist or ankle joint.
"Loss" shall mean, with regard to eyes, the entire and irrecoverable loss
of sight.
If any injuries are accidentally sustained in the manner specified in
subparagraphs (a), (b), and (c) as set forth above, and directly and
independently of all other causes require v~thin 26 weeks from the date
of the accident treatment by a physician or surgeon, hospit~1 confinement,
or the employment of a trained nurse, the company will pay in addition to
any amounts which may be payable in accordance with the schedule above,
the actu~l expense of such treatment, hospital charges, and nurses' fees
up to the limit of $500.
The coverage shall automatically attach as soon as the individual
Civil Air Patrol pilot or observer has filed a completed application form
for accident insurance ~ith a Base Commander or other Commander of the
Civil f~r Patrol.
The insurance under the policY does not cover any loss during, or
c a u s e d b y, a n y fl y i n g u n l e s s s u c h fl i g h t i s w i h i n t h e c o n t i n e n t a l l i m i t s
of the United States of f~erica, the territory of ~laska, all land in
Canada and Mexico v~thin lOO miles from the international boundary
between said countries and the United States of f~erica, and all waters
within 25 miles of the coastlines of the territory above described, and
is being performed directly under Civil ~r P~.trol operations orders.
The insurance does not cover hernia, nor suicide, nor any attempt
t h e r e a t ( s a n e o r i n s a n e ) , n o r a n y l o s s c a u s e d d i r e c t l y o r i n d i r e c t l y,
w h o l l y o r p a r t l y,
(i)
By bacterial infections (excepting pyogenic infections which shall
occur through an accidental cut or wound), or
(2)
By any other kind of disease, or
(3)
Injuries sustained by being shot at or bombed by any person whats o e v e r, o r
(~)
Participation by the insured in actual hostilities.
7.
IN C#~$E OF ACCIDENT
As soon as ~ossible after the occurrence of any accident, the
i n j u r e d p e r s o n , o r t h e B a s e C o m m a n d e r, o r W i n g C o m m a n d e r, o r s o m e o n e
representing the injured person shall give written notice'of the injury
t o 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 , i i i J o h n S t r e e t , N e w Yo r k , N e w Yo r k , w i t h
particulars sufficient to identifythe injured person and the nature of
t h e i n j u r y.
8.
SUMMLRY
The statements contained in this memorandum are merely a
s u m m a r y 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 a c c i d e n t i n s u r a n c e p o l i c y.
M-1127
They are not intended to cover in de~ail all of the exact terms,
provisions, or conditions but simply s~i~narize the more important
e l e m e n t s o f t h e p o l i c y. F o r t h e e x a c t d e t ~ i l s , r e f e r e n c e s h o u l d i n
all cases be made to the policy itself.
By direction of National Commander JOHNSON:
HENRY,,.~ IL'.WGOOD
Legal Consultant
M-I127