Not exactly, the rules state: "There is no coverage for injury to a member to his own family (Household and Relative(s) living in the members household) for claims or suits."

Since I don't fly at the local club, the only people that are within a mile or two are omitted from the insurance. That pretty much makes it pointless for me, unless I have some friends with me, since I almost always fly alone or with my wife/children.

Another thing that I didn't care for is that the insurance only kicks in if no other insurance is applicable. I don't want to sound negative, but for most insurance companies that could be translated to mean, "Nothing short of a lawsuit will make us pay."

How many people reading this thread have used the insurance or know someone that has? Was it a good experience? If I had to make a judgment based on the documentation alone I would guess it's pretty worthless.

Before everyone flames me, keep in mind that these are legit concerns, and yes, I am an AMA member.

schu