I think the concept of labeling exclusions to the insurance as exclusions and having a separate safety code is a great idea. I am certain that rule 3 of the safety code was drafted with a completely different vision of what it was including and what it was causing to be excluded.

As an example, the AMA suggests the use of frequency markers on transmitters. If a club makes a rule requiring them, they eliminate coverage to anyone not having the markings. I don't think the EC, or Carl Maroney ever envisioned clubs removing that type of rule in the interest of maintaining liability coverage. There are a lot of suggestions in the AMA literature about safety, but, with rule 3 in place, it basically says to the clubs: "do not make these suggestions an official part of your operations".

Someday, I hope Carl Maroney writes a FAQ and puts it on the AMA web site. I see the same insurance questions asked again and again.

Oh, btw, Carl is the Chairman of the Safety Committee and he also sits on the Insurance Committee. All the committees are now listed in the Member's Only section on the AMA web site.

JR