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Lol.. insurance is one of those things nationals convince you ya need.. and because all of your friends are paying $450 a semester, you just go along with it too.
There will ALWAYS be personal liability no matter who/what/where you are.. so just be careful.
Please.. I do NOT intend to start an insurance liability thread here.. if you disagree with me, which Im sure everyone who has paid national dues towards insurance will, ok... you win.
Besides, DOC has not had ANY charter/incorporation/affiliation etc ever.. They have survived 13 years, on their own. That sort of insight needs to be understood to truly understand how DOC feels about this whole situation.
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