Maybe it would affect a claim but I think the fault would have to be a material cause of the accident to prevent a legitimate fight with an insurer. I've personally seen a million dollar claim with technical faults on the airworthiness and an expired pilot medical yet claims were processed because those faults had no bearing on the accident and were cured with a minor passage of time. Even the FAA didn't take [major] action. Its good to be up to date but I don't think necessarily a disaster if a "t" isn't crossed or an "i" missing a dot [or your form got lost in the mail or under a pile of renewal forms in OK city]. I could be wrong.
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