RE: Has anyone actually used the AMA Insurance?
I had to use it once about 3 years ago due to a mishap at the flying field that removed a piece of my third finger on the right hand. It was a terrible experience, (dealing with the AMA). I had to do the letter thing as you describe. The only time they will pay anything is if it isn't covered by your insurance. Anyhow, they assured me they would cover the emergency room costs. They didn't. The hospital reported me to the credit bureau. The only blimish on my credit report. They gave me a song and dance about how they'd just changed insurance providers and my case had "gotten lost" in the shuffle. It took over a year and a half to get everything straightened out on my credit report and they took the same amount to pay the bill. The only reason I still belong to the AMA is so I can go to other fields and participate. I've since taken out supplemental insurance so I'll never have to deal with them again. In short, I wouldn't wish that nightmare upon anyone. Best of luck.