The insurance that comes with the USA-WS membership only works with a sanctioned event. Therefore, to make it work for you, whether you are a tournament skier or not, requires a few steps.
In order to demonstrate the steps consider a group of skiers (4) who meet 2-3 times/week for skiing. In order to use the insurance value of their membership, here is what they should do:
1. Three of the 4 would need to be full active members of USA-WS at $80 each.
2. These 3 could be President, Vice-President and Secretary-Treasurer of an Affiliated Club. (You need a club to sanction a practice – see #7 below)
3. The cost to register an Affiliated Club is $100.
4. The other one can register as a Grass-Roots member at $35 each (However, Grass-Roots members CANNOT get a Driver’s rating).
5. The three full active members can get a Trained Drivers Rating - $21($29.50 with 30% discount) for the online course and $12.50 each for an MVR check.
6. The practical test of the Trained Drivers course requires a Regular or Senior Driver to check, so the three candidates would need to find someone who can help here; “bribing” costs unknown but probably zero.
7. Sanction the practice using the Club ID and password. Sanction for 1 April through 30 November 6 a.m. to 9 p.m each day. No cost here, just keyboard time.
Total cost? $475.00. This will give you secondary accident insurance ($1000 deductible and a limit of $10,000) plus liability coverage of up to $2 million depending on the liability.
If the 4 individuals split the cost evenly that is $118.75/person/season. If all 4 became trained drivers then the cost would be $138.50/person/season. All of this assumes that the group that skis together stays together. You can play with the numbers further; e.g. a rated driver would not have the online course expense and could check off the others, etc.
Everyone needs to put this in the context of their own lifestyle. What is your primary insurance? Do you need a secondary and so on. For some, this could be a very nice VALUE. What are your thoughts about this?