Not so sure about that. Anyway, you almost never end up with "The pilot was a f*ck up". That doesn't answer why it happened. Was it training, stress, rest, etc...
I'm sure.
As I said before I have a relative who worked for decades at the airport and knows all about it.
If it is found that the pilot is to blame the family loses every claim of the insurance and the airline doesn't has to pay a dime....
There are actually not many categories...it's always either "
technical error", something like "
unpredictable event" (like a terrorist attack for example) or "
human fault"....and it doesn't matter why the "human" "faulted"....if it's called that then the pilot's family is busted!