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PIC follow up
As a follow up to my post, be aware of the definition of PIC:
Training flights present another common scenario where a pilot who is not the sole manipulator of the controls may still log PIC time. If the student is piloting the aircraft, the certified flight instructor (CFI) is still acting as the pilot in command since the CFI bears the ultimate authority and responsibility for the operation and safety of the flight. According to FAR 61, the student will not log PIC time even if they are the sole manipulator of the controls. It is not until the student is taking their check ride that they are eligible to log their flight time as PIC.
So my instructor, being a named person on my policy, is the PIC during flight training so all insurance requirements are met and allows you to train in your own aircraft.
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