JR-
I'm not confused by this part, nor do I think Carl Maroney will be:

"Accident happened while Person was violating a club rule reference engine starting procedures. The individual had previously been spoken
to about other violations of club rules which are posted on field at 2 places under the shelter."

Person was in violation of Rule 3 of AMA Safety Code. Person's insurance coverage is voided by exclusion of activities in violation of club rules.

HC's comments were better left not said.

Abel