Not necessarily. In fact, not much is cut and dry when it comes to law suits. If this guy injured someone, and their lawyer found out the flyer had AMA coverage, it doesn't really matter much what the AMA says. What matters is what a court says, and they just might say the AMA was liable, perhaps just because they are the only one with assets to compensate the injured person.

Further, it's not likely the AMA would fight it. That's because the AMA insurance is there to protect the *hobby*, not an individual. If this guy injures someone, and has no assets or liability insurance of his own, the AMA really doesn't want huge headlines in the paper about how some kid was killed by an R/C model, and there was no compensation, even though the big AMA has millions of dollars of insurance money. If that happens, then law makers start thinking maybe we ought to ban this hobby, since it's so dangerous, and the AMA doesn't want that to happen. And you don't either.