AMA insurance is secondary to our home owners, but if I remember correctly it is primary for the land owner, which is what makes most flying sites possible. In a big suit the land owner is going to get hit also, so the AMA regs can be viewed as helping to protect him.

Also, the difference between a $2 million and a $20 million settlement is the perception of the jury. If you are on top of safety and try to increase it all the time, then it was just one of those things that happen, If the jury thinks you took steps that decreased safety then you are negligent and need to be punished. Same crash, two out comes.

Steven