Lordie, you non-commuters crack me up. Commuter clause (one of the best in the industry) covers you ATLocals (or ATL-yokels) too. Flat tire? accident? traffic? snomaggedon? you're covered. Just document your attempt in some way (photo, car repair bill, text from state of emergency, etc...) and you're covered. YOU ARE NOT PAY PROTECTED. They (scheduling) has the option of delaying the flight, reassigning you, taking you off the trip completely, having you join the rest of your trip, or positive spacing you (if you're not in domicile). While you won't get paid, you won't receive an occurrence either.
For non-commuters using the clause, you can use this 3 times in a rolling 18 months. For those commuting, same goes for you, however, if you book yourself on TWO flights (two chances to get to work by air) that meet all the criteria, you can use the commuter clause an unlimited number of times.