John S. said,
Whether we like it or not, I believe the insurance companies have defined
us as a community and we all pay a significant price for that.
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So either experimental pilots as a group have a higher incidence of stupidity or
they have the same level of stupidity as certified drivers but the airplanes are
less forgiving.

Circumstanstial evidence points mainly to the former.   Why is that?
I wonder if it is time for EAA to institute a "responsible flying" course which,
if you take, you get a break on insurance.    ...kind of like driver's ed.
If we don't do something, the people with money (e.g. insurance) will push the FAA to do
something for us, like substantially eliminate experimental aviation as we know it.

Colyn