Everyone always points out what a bargain the AMA insurance is.

If you have a top quality well known insurer call them and ask about covering your liability while flying an RC plane. You might be suprised.

My local allstate would cover me for less than the AMA membership, of course I'm not welcome at the local club with that insurance - but I was curious. My friend called his insurance agent and they treated him like the plague however.

Currently my AMA membership (which is not 100% insurance) cost more than my liability insurance of 2million dollars on my boat (pure liability not replacement etc..)

Tiered systems....sounds like a major pain to enforce. Sounds like people would get the lowest just to prove they have the insurance/license or whatever till it was time to collect and found to be out the tier etc...

I mean at your local club can you imagine someone having to check what tier your on for each plane you fly that day? Sounds like a logistics nightmare...

Plus what if you fly a friends plane that day and have an accident while it's under your control for just a sec? If your tier was up to 15lbs but the plane you crash and someone files a claim on (your friends plane) turns out to be 18lbs imagine the headaches.

I'm not expert but I would beleive the biggest factors in how much a settlement will be in an accident is not model size/weight/speed but RATHER who you hit, and what state you hit them in. All else being equal you hit the wrong person it could cost 100X more than hitting someone else with the same injuries.