If you look at any lawsuit filed in this country, you will see that they never file against someone with no money. If you have a club, and the 18 year old kit in the club hits someone and kills them, the family of the person hit will most likely go after the family of the kid, then the club and the richest members, the airplane manufacturer and radio and engine manufacturers. In most cases, they tend to go after the person or entity that has the deepest pockets. Look at the lady that spilled the coffee in her lap. She didn't sit back and say "that was dumb", she thought, who can I sue for this that has a lot of money. The bad part is, some bonehead lawyer took the case, a judge actually listened to it, and they actually gave her an award. Noone thought to ask why she felt that she wasn't the one who was responcible for her own actions. Thats what the country is coming down to and unfortunately, insurance is the only way to protect yourself. Therefor, the ama insurance is a good deal at any price really.