ORIGINAL: redbiscuits

We have a small group of guys that fly at a field we believe is owned either by the city or the school district. We have been using it as a flying site for over a year, mostly on Sundays and the majority of us are AMA members. There are buildings that are owned by the school district and are being flown over and a county road that is also being flown over. Local police nor school officials seem to have no problem with us being there and we get a lot of currious people coming by and watching the show.
My question is, if anything is to ever happen, which there have been a few close calls, does the AMA insurance cover anything. I have asked this a few times and received mixed answers. Someone suggested my homeowners insurance will cover something.....[sm=confused.gif] I have suggested that we form a club, but most of the guys have a bad taste in their mouth from the last club they were involved in and there is no interest in becoming organized at this field.
I really enjoy the company of the fellow flyers at this site, but am I risking to much flying there?
Thanks,
Red