If your a working guy with an income house, any assets, etc., and you think your homeowner insurance is enough to cover a mishap, better check again. First of all, most home owner's policies have very limited bodiliy injury protection and should even the smallest of planes come down onto a pedestrian or fellow flyer at any speed the personal injury is likely to be high.

As a Claims Manager, I can tell you that medical costs are astronomical not to mention all of the "specials" that are lost like income, pain and suffering, and many other demands an under insured flyer is likely to face. I belong to two clubs. One that is AMA and one that isn't. In either case, I am an AMA member because I believe in what AMA does for us and the ultimate protection from losing everything you have in the event of an accident.

Some of the members of the non-AMA club I belong to feel that most of the members wouldn't seek reimbursement in the event someone injures them but I think they are just fooling themselves. If someone were faced with the inability to work due to an injury and couldn't pay their bills, I think they would look to the person who caused the injury.

Fly without AMA, no way !