> The NMRA does provide a very good system of liability coverage for 
> members and 100% clubs.
> Bob Werre

There is a fellow in our area who is a retired insurance broker from State Farm 
Insurance (one of the biggies in California).  His comments on the NMRA 
liability insurance program were somewhat cautious regarding if it is a "good" 
system or not.  His basic feeling was that you will not be able to tell if it 
is good insurance until you have a claim.  Only then will you know what the 
insurance covers, how much, loopholes, hassle factors, time delays, etc.  He 
was not aware of any actual claims being filed under the NMRA program and 
therefore could not state whether it is a "good" program or not.  Apparently, a 
lot depends on what the indvidual Adjuster decides in each specific case 
pertaining to the value of items lost/damaged/stolen/etc.  It seems as if they 
have a lot of latitude in these areas.  I am not any expert on this and am 
merely repeating what I have heard.  If you have questions, best to contact a 
genuine expert.  Good luck....Ed L.



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