Narrative:

I was on a VFR flight between 2 broken/overcast layers at 6500 ft. The in-flight visibility and cloud clrncs degraded to the point I wasn't sure if I still met the 3 mi 500/1000/2000 VFR visibility and cloud clrncs. I was receiving TA's from approach control. At one point, a commercial jet passed about 1000 ft below and 1000 ft behind us. (Approach did not call out the traffic.) I diverted to a clrer area to the north and descended VFR below the broken layer. I picked up an IFR clearance and continued to the destination. I made the wrong decision in continuing into marginal conditions in the expectation that the cloud situation would improve based on the briefing forecast and ATIS reports ahead of me. I could just as easily have picked up an IFR clearance earlier, when it was apparent the WX was becoming marginal. I remained clear of clouds, but do not know if I maintained VFR visibility and cloud clrncs. If the jet passing below had been at my level, I do not think there would have been sufficient time for evasive action. There is no reason to push these limits, and I will be more conservative in the future.

Google
 

Original NASA ASRS Text

Title: PLT OF A BE33C ENCOUNTERS DETERIORATING WX AND SIGHTS AN ACR BELOW HIM. HE DSNDS INTO CLR WX THEN FLIES IFR FLT PLAN.

Narrative: I WAS ON A VFR FLT BTWN 2 BROKEN/OVCST LAYERS AT 6500 FT. THE INFLT VISIBILITY AND CLOUD CLRNCS DEGRADED TO THE POINT I WASN'T SURE IF I STILL MET THE 3 MI 500/1000/2000 VFR VISIBILITY AND CLOUD CLRNCS. I WAS RECEIVING TA'S FROM APCH CTL. AT ONE POINT, A COMMERCIAL JET PASSED ABOUT 1000 FT BELOW AND 1000 FT BEHIND US. (APCH DID NOT CALL OUT THE TFC.) I DIVERTED TO A CLRER AREA TO THE N AND DSNDED VFR BELOW THE BROKEN LAYER. I PICKED UP AN IFR CLRNC AND CONTINUED TO THE DEST. I MADE THE WRONG DECISION IN CONTINUING INTO MARGINAL CONDITIONS IN THE EXPECTATION THAT THE CLOUD SIT WOULD IMPROVE BASED ON THE BRIEFING FORECAST AND ATIS RPTS AHEAD OF ME. I COULD JUST AS EASILY HAVE PICKED UP AN IFR CLRNC EARLIER, WHEN IT WAS APPARENT THE WX WAS BECOMING MARGINAL. I REMAINED CLR OF CLOUDS, BUT DO NOT KNOW IF I MAINTAINED VFR VISIBILITY AND CLOUD CLRNCS. IF THE JET PASSING BELOW HAD BEEN AT MY LEVEL, I DO NOT THINK THERE WOULD HAVE BEEN SUFFICIENT TIME FOR EVASIVE ACTION. THERE IS NO REASON TO PUSH THESE LIMITS, AND I WILL BE MORE CONSERVATIVE IN THE FUTURE.

Data retrieved from NASA's ASRS site as of July 2007 and automatically converted to unabbreviated mixed upper/lowercase text. This report is for informational purposes with no guarantee of accuracy. See NASA's ASRS site for official report.