I hear you Doc...
But it sure would be nice if the general rank and file, public property adinestrators, and contest directors, actually knew that my personal home owners insurance and my additional umbrella insurance (ridiculously cheap) covers me and my activity much more effectively than the (over priced for what it is) AMA secondary insurance does....
I am pretty disgusted with the ignorance of so many so called professionals
Maybe I am thick, but when my son and I motorcycle dirt bike raced I was not required to prove some sanctioning body insurance...
When I arrived at Portland international, Seattle International, Sears point, or Laguna Seca to race ----I only needed proof that I had paid my entry fee and signed all the waivers...
but hell doc that may have all changed by now...my activity was in the 70s ~80s when this country was not a bunch of wussies