I believe this scenario is similar to the case in San Francisco, where an Uber driver killed someone with his car while waiting for a ride. Uber has a master policy that they claim covers their driver while the driver is providing ride, but does not while the driver is live on their system waiting for a passenger. Uber fought the claim from the driver and the family of the victim tooth and nail not to pay the family reparations. I think that one is still in litagation. My guess is State Farm claims adjusters will want to see the wreckage and search the FAA database to look for serial numbers and how they’re registered. I’m no lawyer and I don’t play one on TV.I have no direct knowledge about this, but I'm wondering if that is correct: i.e., once registered, it can't be for considered hobby use. You have one car, and use it part time for personal, part time for work. You keep track of your miles. Dual purpose. My understand has been (and again, I have no direct knowledge of this), if the aircraft is being used for personal use, it should be covered. If you're out on a job, it's not. But, of course insurance companies try every trick in the book to avoid coverage. I'd like to see something in writing on a policy, if someone has that.