hotrod468

Whew, you have some good questions

The AMA accident/medical insurance is not the same as liability coverage. It also is secondary to any other health coverage you may have. It has a smaller $50 deductible.

I am only going to give you one thing the AMA has done for all modelers. It's old, but still true. The AMA was responsible for securing the frequencies that we fly on. It's the most famous example, but, not the only one by any means.

The AMA bylaws do not exclude anyone from flying at a chartered club field. That choice is made by the AMA chartered club and the landlord, and not dictated by the AMA. In fact, there are clubs that have municipally owned fields where anyone may fly, while the AMA landlord policy protects the municipality for all flyers. Basically, the clubs and their members, as well as the landlord, chose to limit who flys there to protect their own butt.

Finally, you need to keep in mind that the AMA is not an insurance company. Just like an employer, they supply insurance as a benefit of membership. As far as I know, the AMA certainly does not discourage being a member of UMA. If you think about it, it is to the AMA's advantage for you to have a large primary liability policy.

A general liability policy covers much more than property for the landlord. Things like trip and fall accidents are covered. It protects him against a claim that he is liable for things (events, accidents, etc) that occur on his property.

JR