that all applicants sign a waiver limiting the liability of replacement cost to $1000 or less, if there's a dispute over the loss of any model, for any type of accident.
Did You sign a waiver stating you would not hold another AMA member liable for the loss of you're property?
when I have to pay for coverage ins. in the event of damage, then the coverage should be applied to the field it was designed for.
Damage caused by my aircraft to another parties property!!
The only Shirking here is on the current carriers (AMA) part to fully cover personal property losses.