To be clear here, are we talking about suing MAAC for not providing adequite safety controls or guidelines or are we simply talking about filing an insurance claim for bodily injury and the resulting damages.

If I were at a field, doing everything I could to ensure my own safety, and I suffered a serious injury that was not of my doing ... should I just accept the fact that I have incurred medical expenses, lost wages (maybe even lost a job), and perhaps had the quality of my life changed forever ... when I did nothing wrong?

There seems to be some assumption that modelers have a realisation of the damage their planes can inflict ... I disagree, generally speaking. I have seen MANY modellers flying in a way that could lead to serious property damage or personal injury given one small glitch in the radio. The 'couldn't happen to me' mindset is all too prevalent in our hobby.

The unfortunate thing is that when MAAC decides to not impliment safety guidelines that it understands to be safer, instead opting for 'common sense' rules ... it does open itself to liability SEPERATE FROM the injury claim by not enforcing a 'safer' guideline. Similarly, when MAAC adds a safety rule that is flawed and actually creates a dangerous situation ... it also opens itself up lo liability.

The reality is that MAAC should be investigating and implimenting safety precautions that have been proven rather than just dealing with what comes from the floors of the AZMs

Mark, is your question "If I were severly injured as a result of a guideline or rule implimented by the association would I sue ... " or "if I were severly injured at a field becaus my buddy lost control, would I file an insurance claim?"

The protection for these two are actually under two different policies I beleive. Directors and Officers coverage would cover the first and the member's insurance the second.