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Aviation war risk insurance and its impacts on US passenger aviation

Seguro aeronáutico contra risco de guerra e impactos na aviação comercial Norte Americana

Abstracts

In the aftermath of the September 11 attacks, the United States government became a supplier of aviation war risk (AWR) insurance for airliners, as well as a reinsurer for commercial insurance. Here we quantitatively examine the consequences of these offerings. The AWR offering is primarily needed for widebody and jumbo jets; smaller aircraft like the Embraer 195 are far less capable of creating damage in excess of the $50 million AWR deductible. Widebody and jumbo jets are also the only aircraft capable of creating long-term government liability through its commercial reinsurance. The US government's assumed risk through its insurance involvement can reach into the hundreds of billions of dollars. This risk level can create a perceived financial incentive for government to force airline passengers through invasive and dangerous search procedures. Thus, governmental insurance offerings can create a conflict of interest at infringes air passengers' civil liberties.

aviation insurance; airlines; jets; wars


Após os ataques de 11 de setembro, o governo dos Estados Unidos tornou-se um fornecedor de seguro aeronáutico contra risco de guerra (AWR) para as companhias aéreas, bem como um ressegurador de seguros comerciais. Neste artigo foram examinadas, quantitativamente, as consequências deste fornecimento. O AWR é basicamente direcionado às aeronaves de grande porte (jatos widebody e jumbo); aeronaves menores, como o Embraer 195, são menos sujeitas à sofrerem danos que excedam os $50 milhões de dólares dedutíveis pelo AWR. As aeronaves de grande porte são, também, as únicas capazes de criarem uma responsabilidade de longo prazo do governo através do seu resseguro comercial. O risco assumido pelo governo norte-americano tendo em vista o seu envolvimento com seguro pode alcançar os muitos bilhões de dólares. Este nível de risco pode criar um perceptível incentivo financeiro para que o governo force as companhias aéreas comerciais a tomarem medidas e procedimentos de segurança mais invasivos aos passageiros. Desta forma, o fornecimento do seguro governamental pode criar um conflito de interesses que infringe na liberdade civil dos usuários do transporte aéreo.

seguro aeronáutico; companhias aéreas; jato; guerras


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Publication Dates

  • Publication in this collection
    11 Oct 2013
  • Date of issue
    Apr 2013

History

  • Received
    16 July 2012
  • Accepted
    04 Aug 2012
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