RC RTF Plane Insurance
When you're just starting to learn to fly your RC RTF plane, you're going to find out that accidents are common things. This doesn't in any way mean that you're doing something wrong, although you probably are, though it does mean that you need to improve a bit. Just because your technique needs to be improved doesn't mean that you need to have your plane destroyed and your chances of progressing any further stamped out now does it? This is why it's very important to make sure that you get insurance.
It is recommended that you at least have liability insurance on your plane, which will cover personal injury incidents. Personal injury could be anything from hurting someone else to damaging their property. For example, if you are out in some secluded field playing with your RC Plane, and you somehow manage to lodge it in the side of a falling satellite, then your liability insurance should cover it. Higher insurance packages will cover the accident even if you are at fault, so that's definitely something that you need to consider.
One thing that you need to take into account when you are purchasing insurance for your RC RTF plane is the fact that you will pay quite a bit more for insurance if your plane is powered by gas. The reason for this is that they're much harder to control and can be much more dangerous. By default the insurance on these is through the roof.
If you want good insurance you should look into joining the Academy of Model Aeronautics which is also known as the AMA. This will provide you insurance which is meant to be secondary to homeowners insurance. You will receive up to a million dollars worth of protection so long as you adhered to the AMA's safety regulations while you are learning. This isn't going to be much of a problem since most of those safety regulations are common sense.
The AMA also helps groups to obtain and hold onto flying fields along with other issue related to the flying of model planes. If you are so inclined there's a monthly magazine that you can get that outlines everything going on within the AMA, as well as covering all of the occurrences within the model aviation world.
The AMA is actually a good idea in general because many clubs that you can join will require membership. Since you're already paying for membership it's a good idea to just go with their insurance anyway. You will also find that AMA membership is a requirement for many contests.
Accidents happen, that's a fact of life. Whether you're at fault or the other person is at fault it's going to happen, so make sure that you have the right insurance. Chances are you know exactly what's right for you, so go ahead and see what you can find. Chances are this will help you out quite a bit in the long run! Enjoy your RC RTF plane!
