Some pilots believe that their insurance won’t cover them if it’s their own screw-up that causes an accident.  They believe, for example, that if they inadvertently violate an FAA regulation, their policy will be "voided."

That’s seldom correct.  The purpose of insurance coverage is to protect the pilot who makes a mistake, regardless

Foreign countries routinely bring criminal charges against pilots after an accident. But in the US, criminal charges are very rare. And that’s a good thing because "criminalizing negligence" usually does little to promote safety.  

But perhaps there are exceptions.

Pilot Steven Fay bought his 1960 Cessna in June 2010.  He crashed it

Some say that Cirrus aircraft are improperly designed because they tend to catch fire on impact more frequently than other aircraft, such as those manufactured by Cirrus competitors, like Diamond or Cessna. And there are plenty of examples of post-crash Cirrus fires to talk about. Critics argue that those fires prove that the aircraft is unduly dangerous

Power lines can be virtually invisible from the air.  The trick to avoiding them is, paradoxically, not to try to find them.  Instead, the pilot should look for the towers from which they are strung.  Once the pilot has the towers in sight, he should choose one and fly directly over it, rather thaPike's Piaseckin between them.