PA28A PLT OPERATES AN ACFT THAT WAS OVERDUE FOR ITS ANNUAL INSPECTION.

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ON SUN/JUL/06; I RENTED AN AIRPLANE FROM THE FBO. I RECEIVED THE DISPATCH SLIP AND PROCEEDED TO PREFLT THE ACFT. I FLEW 2.6 HOURS WITH A PAX. A WEEK LATER; I RENTED THE SAME PLANE. AGAIN; I WAS DISPATCHED -- AND WITH A PAX -- LOGGED 2 HOURS. 3 DAYS LATER; THE FBO NOTIFIED ME THAT THE AIRPLANE IN QUESTION WAS OVERDUE ON ITS ANNUAL. HENCE I HAD VIOLATED TWO STANDING FARS: 91.7(B) AND 91.405 (A)(1). SPECIFICALLY: 91.7(B) THE PLT IN COMMAND OF A CIVIL ACFT IS RESPONSIBLE FOR DETERMINING WHETHER THAT ACFT IS IN CONDITION FOR SAFE FLT. 91.405(A) EXCEPT AS PROVIDED IN PARAGRAPH (C) OF THIS SECTION; NO PERSON MAY OPERATE AN ACFT UNLESS; WITHIN THE PRECEDING 12 CALENDAR MONTHS; IT HAS HAD 1) AN ANNUAL INSPECTION IN ACCORDANCE WITH PART 43 OF THIS CHAPTER AND HAS BEEN APPROVED FOR RETURN TO SVC BY A PERSON AUTHORIZED BY 43.7 OF THIS CHAPTER. I WRONGLY ASSUMED THAT AN FBO HAD ESTABLISHED PROCESSES THAT WOULD PRECLUDE AN AIRPLANE FROM BEING DISPATCHED IF IT WAS OVERDUE FOR ANY KIND OF INSPECTION OR MAINT. I WILL ENSURE THAT IN ALL MY FUTURE FLYING ENDEAVORS I CHK INSPECTION AND MAINT RECORDS. TO ASSIST IN THIS; I HAVE CREATED A 'GO/NO-GO CHKLIST' THAT ACCOUNTS FOR ALL PERTINENT SECTIONS OF PART 91 (TO INCLUDE .9; .11; .171; .203; .207; .405; .409; .411; .413; AND .417).