You’re right! The low wing airplane didn’t stop at the mandatory hold-short line and is about to enter the active runway.
A momentary distraction or not being familiar with the airport diagram and hotspots can lead to a runway incursion. In a best case scenario, you might only have minor damage to the airplanes while the alternative could be catastrophic.
Although we hope this never happens to you, AOPA’s Pilot Protection Services – Legal Services Plan offers accident/incident coverage where the Plan will pay for up to 3 hours for Basic Level participants or up to 9 hours for Plus Level participants by a panel attorney concerning an aircraft accident wherein you were a crewmember or owner of the aircraft. In addition, if the accident results in an FAA enforcement action against you, additional coverage is available under the FAA Enforcement benefit. (Be sure to review the Legal Services Plan Description for complete details.)
Fly With Protection*In order for a matter to be covered by the Plan it must arise from an event that occurred during your period of Plan membership