RE: Why are you an AMA member and not a club member?
You are covered anywhere you have permission to fly providing you follow the AMA safety code, no sanction nescessary.
[link]http://www.modelaircraft.org/PDF-files/500-l.pdf[/link]
[link]http://www.modelaircraft.org/PDF-files/2005clubkit.pdf[/link]
Maybe these links will help.