Quote:
Originally Posted by Mike V. Florida
So we both said the same thing. Member of national, protected, not member, not protected.
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I'm guessing that what the root issue is is that for the most, the people who are doing most of the suing are members of the local clubs and not members of MARC. They attend a club sponsored event, get hurt, sue their club, sue MARC too because their club is a region of MARC, and collect a payment. They benefited from the insurance without having to pay anything toward the cost of it. MARC is (perhaps reasonably) stating that if you want to benefit from this insurance you should help offset the cost of it.
I'm trying to understand the distiction you are drawing about who is protected. Let's say someone off the street, neither a local club member or MARC member, hurts themselves on a car at a show that is owned by a member of the local club who but is not a member of MARC. This spectator sues the car owner, sues the local club, and sues MARC. Are you interpreting what MARC wrote to mean that because the car owner is not a member of MARC that this insurance does not cover the car owner, and because of that, the local club is also not covered? Or is it that the car owner is not covered, but the local club still is covered? I don't believe that the MARC liability insurance ever covers the car owner for the car owner's liability. That would be covered by the car owners own auto insurance. The MARC liability insurance covers the local club and of course MARC. (As an aside, every local club should incorporate in order to shield it's members and particularly its leaders from liability. This way, only the assets of the incorporated club are at risk, and not the personal assets of its members)
Notice how in MARC's explanation you posted, it is in bold underlined text "
we will defend you". I'm reading this to mean that the "
you" means the local club only because earlier in the paragraph, they draw a distiction between "you and your members".