"Roger Long" om wrote in
message ...
We are not just trying to insure that members are legal when they fly, we
are trying to avoid a possible long and expensive process of proving to
the
FAA or our insurance company that we were right.

IMHO, you are worse off in that respect if you attempt to codify in the club
rules the issue. Your insurance policy should cover you regardless of any
cost-sharing or other legalities. The only thing that should be open to
question is whether the *pilot* is covered, as long as you clearly require
the pilot to obey all applicable FARs. However, if you start writing new
rules in an attempt to mirror existing FAA rules, then you've opened the
door for the insurance company to come along and tell you that you did it
wrong, and in doing so, encouraged an illegal flight by a member.

Less is more here. Just as in a checkride oral exam, one shouldn't
volunteer more information than was asked for, you shouldn't volunteer more
rulemaking than is minimally required by your insurance policy and common
sense. Otherwise, you could be held to a higher standard, and found in
violation of that standard.

Pete