Holy Mackeral! The point I am trying to make is this: should I go to any field that requires AMA, that is fine and I will more than abide by all of those rules and requisites, absolutely no problem, and it doesn't matter what is involved. However, should I have my own field, then I can do what I want, regardless of any one or any entity. It is my property, my domain, and my rules. Now, should I be anywhere flying anything that is whithin AMA rules, then I have to abide by that should I have a situation where I would have to make some claim under the AMA rules. If I am flying withing these rules and something happens, my PERSONAL insurance will be first in line for a claim, then AMA second, as you can read in the AMA rules for coverage. I am well aware of the fact that should I fly a 200 pound aircraft on my own property and something happens, AMA nor any other entity has any responsibility for any casualty loss other than my own personal coverage. It is not a matter of not following rules, it is a matter following rules where it applies. So relax, if you come to my FBO and I destroy your aircraft, my insurance will pay for it 100%. If you destroy my aircraft and you are AMA and within those rules, then your personal insurance will cover me, and if not, then AMA. Have fun, enjoy the new year!