STL pilot, in response to you psot 42, you got us, we probably violate some part of the safety code every day, but again you missed my point. If full dues club member Joe flys with out his name in his plane and has an accident, yes AMA insurance may be denied. If PPP club member Bill flys a 8 lb glow and his coverage is only for 2lb electrics and he has an accident, then surely his coverage is also going to be denied. The difference is as a club officer I did not not know Joe did not have his name in his plane, but I did know Bill was only a PPP insured member, because as an officer I am required to verify that every member who flys has a current AMA membership. In Bill's case I was knowingly negligent when I let him fly a plane for which he was not insured, I am liable also. In some cases of law I may even be subject to criminal as well as civil charges, because I allowed it to happen. In Joe's case it was up to him to follow the safety code and as an officer I am not required to inspect his plane everyday. More and more clubs are loking at forming LLC or LP type incorporation, selling shares to members and buying their own property. Without the need to provide insurance coverage to a landowner AMA doesn't have much to sell to the clubs. They should not be muddying the water concerning the product, ie insurance, that keeps them in business.