Fields are chartered rather than sanctioned (which is for events only), and according to the AMA it makes no difference whether you are flying at a chartered field or out in the boonies or middle of the dessert where there is no club field - while you are an AMA member you are always covered by AMA insurance and you are required to abide by the AMA regs ALL the time ; you can not simply decide that you can ignore the rules because you don't intend to rely on the AMA insurance at the time.

Kinda sucks, but that's the way the AMA has set it up.

Gordon