I was stopped flying PV2+ over a lake where no building was there. The guard asked for the insurance document which I didn't have of course. Whenever I test flying over harbour, soccer field or neighbourhood park in non busy hours, people kept asking me questions if I need insurance cover to protect 3rd party properties damaged or bodies injured by the drone. I agree that flying PV2+ is like riding bicycle, accident will happen doesn't matter how skilful I am. Unless I give up this toy, otherwise, how can I satisfy public's safety concern ? People may panic when something they don't know flying over their heads or properties. Any lawsuit cases reported because of flying PV2+ ?