ORIGINAL: Hossfly
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For one thing, I would like to see some actual records that substantiate what I believe is a myth concerning this much quoted slip and fall thing.
In 2004 AMA had 7 bodily injury liability claims filed. In 2005, 4 such claims.
OTOH in 2004, 47 property damage liability claims were filed, whereas 2005 saw 49 property damage claims filed.
(NOTE
"Filed"
If someone has an accident on property that you own or control, you could well be in for a liability suit. If you were hosting some event on Farmer Joe's property both will be named as a defendant. Do they have enough to cover the claim? Do you? It is good to have deep pockets in such case.
You're at an event. An errant outdoor or indoor glider is coming at you. Someone yells. You turn just in time to get a serious poke in an eye. Who gets sued. Before it's over -- everyone. If the landowner has nothing but a small plot of dirt, you will be glad that there is someone, AMA, that can help the other guy anti up to you. Everyone's liability coverage is your target at that time.
Hoss-
Can't do anything re substantiating myth (or not) about the fiscal impact of slip and fall accidents relative to those actually related to flying model airplanes. AMA simply won't release such figures.
The issue brought up by ET in starting this thread was concerned specifically with liability arising from hazards associated with the site, and as such the responsibility of the site owner, however many such accidents actually occur. His example of a kid getting an eye poked out by an exposed piece of rebar is germane to that issue. Your example of somebody getting poked in the eye by a model airplane is not. I doubt that the site owner could be held liable in your case, but then AMA has made no information available concerning site owners being sued as a result of actual model airplane accidents, either. Further, though off topic here, I doubt that I would collect from the owner/flyer of the model in your example, much less the site owner, because of the "assumption of risk" defense that would undoubtedly be invoked by the insurer (AMA) in representing their client(s), the insureds, which could include the site owner, the modeler directly involved and the club. If you want to talk about myths, tell me AMA would be involved to look out for my interest as the injured party. That is not how liability insurance works.......but then we've been down that road before.
Abel