J_R,
Also i will look into the family and or trip and fall coverage because my family are spectators and nothing else. This does concern me but there is no direct exclusion of there coverage. You do have to look at all the rules you have to follow with the AMA to. The lot of the rules is to cover there but only a few are to help the modeler be safe. Next what about another pilots property damage if you hit his truck? what then? Its not covered. Oh well we can talk about this until where blue in the face. They both have good and bad things i feel i need both because the AMA will not cover allot of things the UMA will. And just two more things i will get back to you on the trip fall thing + family. Also the UMA is not none profit and do not claim to be only claim to be helpful to the modeler.