Sad ending on the Hudson for some

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Accroding to Yahoo News, the people who survived when Sully Sullenburger landed the disabled plane on the Hudson River are having a rough time because many of their valuables had to be left behind and sank with the plane. The airline was insured by AIG, which is being run by the government now, but there is really another problem concerning airline insurance that everyone who flies often should be aware of. According the the Yahoo: " When a homeowner has a burglary or a driver has a crash, all it normally takes is a call to the insurance company and a description of the loss to activate the policy. But aviation liability insurance is different. It is activated by a finding of negligence on the part of an airline. If there is no negligence, then arguably there is no liability, and no obligation to pay claims." Evidently if US Airways is not held negligent in the incident, the passengers will have no basis for reimbursement for their lost stuff, which includes laptops, luggage, wallets, car keys, etc., etc., Here's the story: http://finance.yahoo.com/insurance/article/107188/aig-balks-at-Claims-from-jet-ditching-in-hudson