Accidents happen. In most cases, the future insurability of the pilot who had the accident is based on the claim itself. A large insurance claim may have a greater impact on your insurability. If the claim was caused by a mechanical malfunction and had nothing to do with the pilot, the underwriter may be more understanding. In cases of pilot neglect or error, a new insurance policy can be a bit more difficult to obtain. An aviation insurance specialist is needed to assist in these unique situations. Rates are quoted on an individual case by case basis, so please call for your individual quote.