Originally posted by s3nfo
You also might mention to him that his AMA insurance is only good when flying at an authorized flying site and that if a local lawyer could make an argument for negligence (flying a high powered airplane in a crowded space around people who are unaware of the danger does seem negligent to me) that his home owners may be off the hook too which means that any damages would be paid by him personally out of his pocket.
Sorry Jerry,
The comment about AMA coverage is not exactly correct.
Any AMA member is always covered as long as the Safety Code is not broken. If you are flying at an organized (chartered club) site, the rules of THAT organization become an extension of the AMA Safety Code. Your coverage is not limited to prior approved (chartered) sites, but the LANDOWNER may not be covered. The club charter process insures the specific landowner as does a sanction (supplemental insurance certificate).
That means that if I fly on MY land, I am covered by my HO policy AND my AMA coverage as long as I stay within the Safety Code. You might read it to see what it has to say about flying around crowds.