It never ceases to amaze me how many people just think they're covered by the RAA policy, and don't go any further in taking action to protect themselves.
It probably covers a medium injury to one person, but as of a few years ago, for a Quadriplegic the cost was about $13 million, and if you collided with multiple people the injuries and their legal fees would push a claim into the multi-millions. I'd suggest the C.ouncils are closer to the mark, and they have to pay out on footpath cracks, Swimming pools, water slides etc.
I've never seen a discussion on here actually outlining what RAA Ltd actually give the members other that this specific token $1 million.
The information Clouddancer provided indicates RAA are covered for $20 million, but is that just for the Company? (Usually lawyers just claim on everyone involved - you, the land owner/local council, RAA etc.)
It would be interesting to compare what the members are covered for now vs what they were covered for in RAA Inc by the requirements of the Incorporated Associations Act, ACT.
A bulk deal for 10,000 members vs 1 member is tiny because there are 10,000 people paying and maybe one or two having to pay out for liability every five years.