USMS Insurance vs 3rd party insurance

This may have been discussed in other areas of this forum but did not want to search back through to find out! So, asking two questions for club owners and members: Owners/Head Coaches: 1) Do you buy 3rd party insurance or only use insurance coverage extended through USMS? 2) Any claims experience good or bad with USMS coverage? 3) To be eligible for USMS coverage all members of the club have to be registered with USMS, any problems with this policy when new members are considering joining? Swimmers: 1) Follow up to question #3 above, would you reconsider joining a club if you were required to be registered with USMS? 2) has anyone had an accident where they needed to file a claim and work with USMS's insurance provider? Anything good or bad from this experience? Thanks!