I think the AMA should just do the Magizine ect and mostly get out of the Insrance business. They for the most part get out of paying, because your home owners ends up paying. The AMA could have a special coverage for competition only... paid at the event itself. I see no reason the average RC flyer needs AMA. In fact it gives clubs a chance to say...YOU GOT TO HAVE AMA. Well you don,t. Make sure each flyer has a home policy add on statement. Usually home owners insurance will not cover if you compete. So...again...competitors.. pay as they go plan though the AMA, the ones that set rules for competive events. Thanks Capt,n