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who the hell is he going to sue for the money?
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The insurers, presumably. There have been cases where there's some technical reason why the insurance wasn't valid and the estate of the pilot has ended up liable. After Graham Hill's fatal crash in 1975 IIRC the insurers refused to pay up and his widow ended up in court. Not nice, but it was his duty to make sure he and his passengers were covered for the flight. His pilot's licence had expired. Shades of Colin McRae?
http://www.pprune.org/aviation-histo...t-verdict.html