gonn make a clear hypothetical to see if we agree on what SC-GG is saying

Guy A is a neighbor standing in the club Parking Lot, he came to complain abiout the noise.
Guy B is a AMA Clubmember, trying to talk down Guy A calling the cops
Guy C is a AMA clubmember flying his 84" Twin Gas P-38.... who kas been flying with his knees locked in the sun... and suddenly collapses unconc from blood flow problems.

Now said 84" P38 does a wingover and sceams past the No-Fly line with nobody at the sticks, and Guy A & Guy B talking in the parkinglot each get a Fuse & Gas Engine to the head..... quick trip to the hospital and $75k of surgury latter they both hit up the AMA insurance for the exact same accident.

Guy A being a non-member gets liability over the no-insurance Pilot and recieves the $75k - deductable liability coverage from the AMA insurance.

Guy B is a member and only gets the $25k - deduct because of the No-Member-Member liability. He has to sue Guy C pilot to bancrupcy to try to pay his med bills

Guy C doesnt get a new plane, because it was DumbThumb excluded from model fire/theft/etc coveage, and looks at chapters 7 & 11 to find the best way to not have to sell everything he owns to pay GuyB

Is that about right?