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So if your local club is member of both MAFCA and MARC that would mean bottom line you would need to pay your clubs dues and both of the national clubs dues or pick one or the other national clubs to be affiliated with.
Our Model T club went on our own, dropping memberships in ether of the national clubs. We formed a LLC and the club carries insurance to cover "the club", members are still required to carry insurance on their own cars to cover their car.