I suggest you DO JOIN THE AMA. It is well worth the insurance if you hurt someone or something. Pilot Chad, if you are not a member of AMA, I suggest you join. From reading your posts, I gather that you are young (teenager) and not a real good pilot yet. If you are not a member of the AMA, and you hurt (or worse) someone or someone's property, your parents could be liable--which could mean anything from a few hundred bucks to their house and everything they own. These are NOT TOYS. I think at your age, there is even a price break (junior members). Others might know more about that.