STL:
You sure about that? Then how does a kid on an ATV that runs into your chain at the entrance to the field get coverage??? Where is that in the safety code or part of his AMA card, which he doesn't even have.
IIRC, the kid did not need to be "covered". The AMA club/members were "covered". The kid sued and got the money from AMA insurance vice the individuals personally.
Kind of like "Life insurance". The insured is/gets "covered". Others get the fun-money.
There are apples, and there are oranges, stl. They are different. Your grocer/undertaker can explain the differences. [:-]