BusyB,
Is that the best you can do? Put all your eggs in that proverbial insurance basket using "what if" scare tactics. I don't have life insurance why should I be concerned about your little legal coverage in case I screw up. Well, don't screw up and if you still screw up...oh well!
No, that is no reason to join the AOA. There are good reasons to join but that is not one of them.
Oh and since you’re a self proclaimed pea-brain spotter, the AOA should be concerned about what their members are concerned about...don't ya think?
But, your becoming a good reason not to join!