if you heard all the stories,you wouldn,t use your boat! the dues you pay doesn,t cover anything,its just a card in your wallet,so you call them first to phoqueya. we have made arrangments with them prior to racing, and then a race boat breaks down,flips.rolls whatever,,,they hook to the boat tow it to the dock, then look around to see who wants to write the 6,000 to 20,000 dollar check for this salvage,,,there are a millon of these stories,,,your best bet is to wave down a fellow boater and give him a couple hundred bucks to help you. good luck,:willy_nilly: