sounds like you havent read ama 911.pdf & the way the club site insurance covers non-members too..
.. it just calls them freeloaders for being covered without paying..
... paying being sending muncie money in addition to paying the club that bought Muncie Site Insurance. Once the club has AMA Brand site insurance (sure we are not an isurance company) then the non-members/AMA-Parkies flying there dont change that, the non-members just dont pay (unless the club chooses to charge them PPD, but muncie somehow forgot to mention that)

The more we say the pilots insurance dont matter, the more reasonable letting non-members fly sounds.

If the pilot insurance dont matter, then let the PayPerDay guys pay the local clubs for using the clubs sod, the clubs tables, & the clubs site insurance covering the club & the landowner from getting sued (pilot gets what protection from site insurance?), and the clubs portajohn.

But good point for clarification is the pilots insurance for Parkies & 58'ers
when flying at home,
just how much pilot coverage do the $500k Parkies get in side by side comparison to the 58'ers