Loop holes? You bet they will look for any that are available! This is what insurance companies do. And the best thing that all of us can do is to not give them any reason to conjure up any loopholes. So the responsibility of complying with ALL of the Safety Code really relies on us, as pilots and AMA members, so that we do all we can do to keep things safe and help reduce the chance of accidents AND putting our insurance coverage at risk in case an accident occurs.

Establishing a flying line regardless of where you are flying is a requirement acording to the AMA Safety Code......so, this is something that everyone should take in to consideration when flying in public places more especially. Flying at a club field, this line is generally established anyways. Do you think that just because we are flying at an AMA club field that the insurance company would not look for loop holes so they won't have to pay on a claim? Don't kid yourself! This is part of someone's job within the insurance company - to find any excuse not to pay on a claim.

To say that everyone should confine their flying to the club field to be safe is only cheating ourselves and others out of the many places available in which to fly and the opportunity to fly. Our insurance covers us anytime and anywhere so why put this restriction on people that may can only fly in the park or other city owned property?

You have a good point about flying in close proximity to an established club. DON'T! Unless you have spoken to club members and worked out some kind of arrangement otherwise. But, there again, rules have been established in regards to this issue as well. If we do not adhere to them then we cannot expect our insurance to help if an accident occurs.

One primary concern about flying our models is that, no matter where we fly we should always maintain good, safe practices to help reduce the chance of injury to ourselves and others. This is in part why rules have been established. I would think that most mature, responsible pilots can handle this responsibility no matter where they are flying. If pilots choose to ignore the AMA guidelines, whether at the club field or in the park, and an accident occurs, guess what will happen when a claim is filed? It will most certainly be rejected!