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[Poll]

What do you have for Liability Insurance
I have only what AMA offers
  17% (14)
I have AMA but wish I had more
  9% (8)
I have AMA plus an Umbrella Policy
  3% (3)
I have AMA and Home Owners Insurance
  48% (39)
I have AMA, Home Owners and an Umbrella Policy
  20% (17)


Total Votes : 81
(last vote on : 10/5/2011 9:47 AM)
(Poll will run till: -- )
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What do you have for Liability Insurance - 10/2/2011 11:54 PM   
MaJ. Woody



Posts: 3954
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Last Login: 5/21/2013
From: Rochester, NY, USA
Status: offline 		Hi Guys.
I am just wondering what you guys are carrying for insurance. I of course have AMA but also have a separate umbrella policy. It is that time of year again for me to renew the Umbrella Policy and it got me wondering if anyone else has one. What is the feeling on carrying extra insurance? Do you feel it is needed?

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RE: What do you have for Liability Insurance - 10/2/2011 11:57 PM   
GrayUK



Posts: 3513
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From: Dunstable, UNITED KINGDOM
Status: offline 		In the England it is BMFA insurance.

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RE: What do you have for Liability Insurance - 10/3/2011 12:00 AM   
MajorTomski



Posts: 2250
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From: Oklahoma City, OK, USA
Status: offline 		Your poll is missing an option. I have homeowners insurance with AMA coverage as a secondary policy. Which is how AMA insurance works

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RE: What do you have for Liability Insurance - 10/3/2011 12:00 AM   
KC36330



Posts: 5932
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From: Enterprise, AL, USA
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quote:

ORIGINAL: GrayUK

In the England it is BMFA insurance.



Big MF'n Accident????


Dom, you're standard home owners covers you somewhat.

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RE: What do you have for Liability Insurance - 10/3/2011 12:04 AM   
madmodelman



Posts: 1856
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From: Corby, Northants, UNITED KINGDOM
Status: online
quote:

ORIGINAL: KC36330

Big MF'n Accident????



Lol !

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RE: What do you have for Liability Insurance - 10/3/2011 12:06 AM   
MaJ. Woody



Posts: 3954
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From: Rochester, NY, USA
Status: offline 		Thanks. I added some more options.

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RE: What do you have for Liability Insurance - 10/3/2011 12:57 AM   
afterburner



Posts: 2207
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Last Login: 5/21/2013
From: Moseley, VA, USA
Status: offline 		In today's litigious world, I don't think you can have too much insurance. I have a homeowners and an umbrella policy. It's pretty easy to be wiped out by a lawsuit.

Marty

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RE: What do you have for Liability Insurance - 10/3/2011 7:01 AM   
jetster81


 

Posts: 353
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From: london, UNITED KINGDOM
Status: online 		I was always led to believe you cannot insure the same thing twice,for fear that neither will pay out 

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RE: What do you have for Liability Insurance - 10/3/2011 7:51 AM   
quist



Posts: 2912
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Last Login: 5/21/2013
From: Glendale, AZ, USA
Status: offline
quote:

ORIGINAL: MajorTomski

Your poll is missing an option. I have homeowners insurance with AMA coverage as a secondary policy. Which is how AMA insurance works


That depends, some of us have primary coverage through the AMA. CD's, Leader members, club officers, LMA inspectors and a few others are given this coverage.

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RE: What do you have for Liability Insurance - 10/3/2011 10:08 PM   
mr_matt



Posts: 8620
Score: 116
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Last Login: 5/21/2013
From: Oak Park, CA,
Status: online 		Hi Tony,

I was under the (probably mistaken) impression that the first dollar (primary) coverage for officers was coverage for their official duties, not for their normal (sport) flying. getting sued as a CD, or a large model inspector, club official etc.

I warn you ahead of time before I redirect you here! Good luck with that thread, I gave up!

About the only way I can think to make the AMA insurance primary is to have exclusions written into your homeowners/PUP that excludes model airplane activity. Not sure if that would work in any case.

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