Have you noticed the new craze buzzing around this holiday season? Drones, otherwise known as unmanned aerial systems (UAS), was one of the most popular gifts in 2015. A UAS is defined as an unmanned aircraft is flown using GPS software and is much like a model reduced aircraft or aircraft hobby. While most retailers provide security and packets of information brochures on drones and responsibility to steal, new gadgets of new risks.
To help counter some of the new risks of liability and keep the airspace safe for all users, the Federal Aviation Administration (FAA) recently unveiled a process registration for owners of small UAS. The new registration requirements for UAS weighing more than 0.55 pounds and under 55 pounds, including freight such as onboard cameras
The FAA registration includes the following :.
- owners UAS using the model airplane hobby or leisure purposes should register as a user; All UAS owned by the registrant can use the same identification number. (Registration is valid for three years).
- Registration must be completed by February 19, 2016 to all owners of small UAS who has used an unmanned aircraft exclusively as a model airplane before 21 December 2015.
- a UAV weighing more than 0.55 pounds must be registered, even if it is used for recreation or leisure.
- UAS owners purchased for use as a model of airplane after December 21, 2015, must register before the first flight out.
- registered owners must be at least 13 years.
So that the average homeowner can do for themselves, their children and protect property against drones? The best answer to this question is to see what coverage is available in their homeowners policy. A standard homeowners policy would most likely classify as a model drone or aircraft hobby, until it has been used or designed for transporting people and / or goods and the owner receives no compensation for its use. Property damage or drones would likely be covered by part of the personal property of the policy, subject to the deductible of the policy.
Other hazards to consider are bodily harm and injuries. There have been some cases of injury caused by drones. There is also the possibility of lawsuits associated with the invasion of privacy because cameras can be attached to drones. Not to mention removable cameras could be considered as goods, which would eliminate the coverage of politics altogether owners.
If you received a drone this holiday season, remember to talk to your local independent agent to see what the coverage of your homeowners policy provides; it may be prudent to add some extra liability coverage.
The covers here are described in the most general terms, and subject to the conditions and actual policy exclusions. For the wording of the cover, conditions and exclusions, please contact your policy or agent.
0 Komentar