Its no secret that general aviations accident rate is significantly worse than the airlines and corporate flight departments. According to NTSB studies over the first 10 years of this century, youre 12 times more likely to have an accident when flying your own or a rented GA aircraft.
A favorite IPC question: When is an alternate required? The answer: Always. But like most rules, there is an exception. In a style only a bureaucrat can appreciate, the exception is listed before the rule.