Interestingly, the number of U.S.-registered aircraft is increasing, while the number of pilots is decreasing. (Wikipedia says there were 609,306 licensed pilots and GAMA counted 211,000 registered aircraft.) But even allowing for flying clubs, partnerships and the graying and thinning of the pilot population, this still means that there are a lot of pilots who are flying aircraft that they do not own.
If you are one of them, this article—a fresh look at non-owned aircraft liability insurance coverage—is for you. Truth is, to understand what sort of coverage different types of pilots need, it helps to know what they are already covered for, and what they are not. Here’s a primer for shopping.