in todays law suit happy society
but the insanity with lawsuits can also work for you-
The crazy Deep Pockets suits will have guys going after the owners (probably a city if parkflying where not forbidden), and tapping the deep pockets of the city is far better than trying to squeeze $20k-$200k from a pizza delivery guy. One can intentionaly underinsure to make others seem like riper targets for suits.