the insurance is more then worth it but i will have say one of the guys on one of the the replays did make one mistake you do not have to be at a "club field" ama insurance is coverage no mater where you fly (just like car liablity you still are cover in a parking lot just like the highway)we talked to their insurnce dept. before our club was charted as long as you fly within ama safety
rules.ama charters clubs not fields.but by all means join ama you won't regret it you'll have piece of mind.
roy