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Quote:
Originally Posted by Mike V. Florida
It's for liability insurance (they are looking at new insurance companies). If you are not a national member you are not covered by national liability insurance.
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I believe that's not entirely correct. When MARC (or any national org) has their underwriter issue a certificate of liablity insurance, the entity that the insurance is covering is the local club and usually a second named certificateholder, usually the site where the event is being held. If anyone were to sue the local club, the liability insurance would cover that local club. The person bringing the suit does not have to be a MARC member for the liability insurance to kick in. For example, you're having a car show, and someone off the street comes to view the cars and trips and falls on the show field. The local club is covered for the liablity if that spectator sues the club. The liability insurance is not covering each individual club member for their own person liability. That is what your own auto insurance policy is for.
MARC wants to enforce the rule that all Regional members be MARC members to bring in more dues money to the National club in order to offset the rising cost of the liability insurance.
I could foresee that if we were to require our members to be MARC members, we'd loose about 70% of our local membership. That translates to over $4,000 in annual dues for our club. For far less than that, our club could purchase its own umbrella liability policy and not rely on MARC to provide the insurance.
Other than the liability insurance, and the ability to post ads in the "Model A News" what other real benefits are there to being a Region of MARC?