The Insurance Market Has Hardened

You've got the airplane partly configured for landing on a long final and the tower hasn't yet cleared you to land, but says to continue at best speed. To make the airplane go faster, you retract the landing gear and clean up the flaps. Then you're instructed to do a present-position 360 because the sequencing just isn't working out and a Falcon is beating you to the runway. Halfway through your circle, the tower clears you to land, you tuck in on final, put in some flaps and come over the numbers kind of hot. Something definitely isn't right in last two seconds of the flare because the tires aren't touching. -But then the propellers do, and so does the belly. At least you've stopped at the first taxiway so they can get your broken piece of metal off the runway quickly so the ramp gawkers can see it hanging off the wrecker. A sickening experience, yes, and a bad ending to an otherwise good business trip with the airplane. But isn't that what insurance is for?
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