I'm curious as to how many members understand how the AMA insurance Works.
if you are a homeowner not very useful because you are required to file with your homeowners insurance first and it's only a liability it does not cover your loss of your airplane.
if you are not a homeowner and do not have homeowners insurance then it is a great bargain for these people it covers 100% of the damages, but still it is a liability it will not replace your airplane.
you are only covered if you are flying at your AMA covered field so if you go to the local park or outside your local business and smash into a car you're SOL
well , well, well, you were RIGHT till your last paragraph......AMA Chartered clubs have insurance thru their membership, If the owner of the land requires it, the AMA, will give that landowner a certificate of insurance... but the coverage comes from the individual members... homeowners first.....
Your Membership to the AMA covers you WHEREVER you fly, as long it is legal to fly there and you adhere to the AMA's safety code.
THERE is ONLY 1 AMA field in the whole USA... that is in Muncie IN. The flying site beside the AMA headquarters that the AMA owns.
If your local park allows RC... AMA covers you...... If you fly in your back yard, AMA covers you,
If I were you, I would do some reading before you school others on "how the AMA's insurance works"