Posted for "George Braly" <gwbraly@gami.com>:
 
 You are flying along and your 200 hour engine craters.
 
 You make a forced landing in a field.  No injuries,  but about 40K in
airframe damage, in addition to the 25K to repair/replace the engine.
 
 Does your insurance company pay the 40K plus the 25K or just the 40K???
 
 Regards,  George