Hypothetical - Basic Med & Insurance I have a friend that needs some info...

He has a Basic Med certification in hand.  He takes a drug that is on the DNI list however it is admissible with a SI (SSRI).  His GP doctor signed his Basic Med form.  His GP doctor obviously knows the drug he is on and knows he is fully functional on the drug.  His GP doctor knows the drug is on the DNI list. 

Given that background...

Would he have any possible insurance issues (renters or owners) if he were to ever get into an incident?  Could the insurance company deny a claim if he takes the drug even with a doctor's approval but WITHOUT the SI?

Thoughts?
BasicMed does not completely do away with SI's so your buddy may still need one if he has never had one and has one of the 4 qualifying issues.  



To directly answer your question the insurance company may deny a claim on these grounds as they are somewhat free to deny claims as they see fit. There is some more info from the FAA related to SSRI's here. Remember that basic med is about considering yourself fit to fly and being self conscious of your current state it does not set any protections for you that once you deem yourself fit to fly you actual are. Its a fairly new rule so only time will tell how cases play out in the future relating to issues.