Checking out an Avid in Avid Model IV dholly Posted Tuesday at 11:34 PM Lol, who said I could afford it? As a business owner I wanted/needed the liability coverage, didn't care so much about the hull. Pretty glad I had hull coverage though when I bent the KF3, the ins. co actually made me buy it. I bot the salvage and walked away making money on that one. I would still recommend a new student or very low time pilot insure for both hull and liability until they get some time with their plane.