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RE: What's your opinion on the AMA? - 4/30/2004 9:10:21 PM   
Hossfly



Posts: 3927
Joined: 12/3/2001
From: New Caney, TX, USA
Status: offline
quote:

ORIGINAL: the troll

quote:

ORIGINAL: Hossfly



$300, 000.00 HO liability is a drop in a bucket to what one will need if one puts me in a wheel chair.


Have you looked into getting a little more insurance just in case? It would be negligent for someone as important as you not to.


Troll, I carry about as much additional insurance as I find prudent. I cover myself, my family, most of my assets, thus my wife's future and some considerations for the kids, should I become less than I am.

OTOH, if I should be injured by some uninsured (*censored*) who is too cheap to buy AMA's very economical liability in order to assure that those he just might do some injury to, while he amuses himself with toy airplanes, are reasonably protected via compensation for such injury as they may suffer, then that person will forever rue his decision to take the risk. He will find it to be one very bad fiscal decision on his part.

The liability insurance I maintain protects others. I expect the same protection from them. For those that find that policy harsh, then I suggest they find a different whatever to suck on. The policy stands.

While few people with any real knowledge of the Insurance Claims Investigation business ever find their way to this forum, out there around there are a number of those that do. There is a very knowledgeable one in Jetero RC. He's a walking encyclopedia of info. I have found several loopholes in some of my thinking. However as JR stated here somewhere, it all boils down to a one on one and the individual policies and the exclusions defined therein.

Specific "what-if" questions asked here are simply a waste of time and space plus a public display of a lack of perceptional knowledge of the subject.

edited to add an i.

Horrace

< Message edited by Hossfly -- 4/30/2004 3:12:26 PM >

(in reply to the troll)
       Post #: 76

RE: What's your opinion on the AMA? - 4/30/2004 10:25:47 PM   
abel_pranger


 

Posts: 2365
Joined: 5/7/2003
From: St Augustine, FL,
Status: offline
quote:

ORIGINAL: Hossfly

The liability insurance I maintain protects others. I expect the same protection from them. For those that find that policy harsh, then I suggest they find a different whatever to suck on. The policy stands.




Diff'rnt strokes, Hoss. If that floats your boat it's okay by me, but I buy liability insurance to protect me. I'm just not even slightly altruistic about paying the premium for a $2M PUP for the benefit of sombody that sues me, and of course his lawyer(s).

Abel

(in reply to Hossfly)
       Post #: 77

RE: What's your opinion on the AMA? - 4/30/2004 10:59:45 PM   
bhole74



Posts: 1072
Joined: 12/16/2003
From: Anderson, MO, USA
Status: offline
quote:

ORIGINAL: Hossfly

quote:

ORIGINAL: the troll

quote:

ORIGINAL: Hossfly



$300, 000.00 HO liability is a drop in a bucket to what one will need if one puts me in a wheel chair.


Have you looked into getting a little more insurance just in case? It would be negligent for someone as important as you not to.


Troll, I carry about as much additional insurance as I find prudent. I cover myself, my family, most of my assets, thus my wife's future and some considerations for the kids, should I become less than I am.

OTOH, if I should be injured by some uninsured (*censored*) who is too cheap to buy AMA's very economical liability in order to assure that those he just might do some injury to, while he amuses himself with toy airplanes, are reasonably protected via compensation for such injury as they may suffer, then that person will forever rue his decision to take the risk. He will find it to be one very bad fiscal decision on his part.

The liability insurance I maintain protects others. I expect the same protection from them. For those that find that policy harsh, then I suggest they find a different whatever to suck on. The policy stands.

While few people with any real knowledge of the Insurance Claims Investigation business ever find their way to this forum, out there around there are a number of those that do. There is a very knowledgeable one in Jetero RC. He's a walking encyclopedia of info. I have found several loopholes in some of my thinking. However as JR stated here somewhere, it all boils down to a one on one and the individual policies and the exclusions defined therein.

Specific "what-if" questions asked here are simply a waste of time and space plus a public display of a lack of perceptional knowledge of the subject.

edited to add an i.

Horrace



I would highly recommend you not to visit any private or non-AMA fields if you're affraid you will get hurt. You may also want to consider not driving either, there are uninsured motorist out there.
AMA is not the only type of insurance available, however, AMA does refuse to acknowledge it until something does happen. Then your other insurance does come first. This is what some people have a problem with, AMA doesn't want you to fly unless you pay THEM.
As for the "what ifs", I agree they are a waste of time, so stop throwing them out there.

(in reply to Hossfly)
       Post #: 78

RE: What's your opinion on the AMA? - 4/30/2004 11:01:40 PM   
FHHuber



Posts: 4931
Joined: 1/1/2003
From: gone, , USA
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quote:

ORIGINAL: abel_pranger

Diff'rnt strokes, Hoss. If that floats your boat it's okay by me, but I buy liability insurance to protect me. I'm just not even slightly altruistic about paying the premium for a $2M PUP for the benefit of sombody that sues me, and of course his lawyer(s).

Abel



If you REALLY feel that way... You don't want liability insurance.. you want insurance that pays you in case someone else injures you...and you can sign a release that says you'll never sue anyone else, for ANY reason, and file it in every state.

(in reply to abel_pranger)
       Post #: 79

RE: What's your opinion on the AMA? - 4/30/2004 11:12:39 PM   
FHHuber



Posts: 4931
Joined: 1/1/2003
From: gone, , USA
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quote:

ORIGINAL: bhole74

AMA is not the only type of insurance available, however, AMA does refuse to acknowledge it until something does happen. Then your other insurance does come first. This is what some people have a problem with, AMA doesn't want you to fly unless you pay THEM.
As for the "what ifs", I agree they are a waste of time, so stop throwing them out there.



The AMA knows there's other insurance out there...

Do you want the job of comparing the coverages and keeping track of hte insurance for every member of the local club? Making sure thier coverage is adequate. Making sure it is paid to date and is actually valid. (every week because you'd have policies expiring or with monthly payments or... people paying for one month and getting an insurance card, then dropping the policy and maybe even getting a refund... like some do for auto-registration purposes...)

Individual equivilent coverage (if you can find it...) would be extraordinarilly expensive. Group insurance is cheap. That's a fact of life in the world of insurance.

PLEASE... find an equivilent coverage for under $100 a year. Just try. (good luck.) Don't forget to include ALL of the coverages...

And get rid of the "Safety Code" rules you don't want to follow. (then try to get it for under $1000 a year)

The AMA card is SIMPLE. They have the card... they have the coverage and you know what it is.

(in reply to bhole74)
       Post #: 80

RE: What's your opinion on the AMA? - 4/30/2004 11:46:24 PM   
abel_pranger


 

Posts: 2365
Joined: 5/7/2003
From: St Augustine, FL,
Status: offline
quote:

ORIGINAL: FHHuber

quote:

ORIGINAL: abel_pranger

Diff'rnt strokes, Hoss. If that floats your boat it's okay by me, but I buy liability insurance to protect me. I'm just not even slightly altruistic about paying the premium for a $2M PUP for the benefit of sombody that sues me, and of course his lawyer(s).

Abel



If you REALLY feel that way... You don't want liability insurance.. you want insurance that pays you in case someone else injures you...and you can sign a release that says you'll never sue anyone else, for ANY reason, and file it in every state.


FH-
You really haven't ever dealt with anyone in the insurance business, have you? If you ever meet up with one, ask him why he has liability insurance.

Abel

(in reply to FHHuber)
       Post #: 81

RE: What's your opinion on the AMA? - 4/30/2004 11:50:46 PM   
FHHuber



Posts: 4931
Joined: 1/1/2003
From: gone, , USA
Status: offline 		You're the one who basicly said to hell with everyone else.... I just pointed it right back at you.

(in reply to abel_pranger)
       Post #: 82

RE: What's your opinion on the AMA? - 5/1/2004 1:10:38 AM   
abel_pranger


 

Posts: 2365
Joined: 5/7/2003
From: St Augustine, FL,
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quote:

ORIGINAL: FHHuber

You're the one who basicly said to hell with everyone else.... I just pointed it right back at you.


Oh. Good one, FH. You buy life insurance so you won't die, right?

Abel

(in reply to FHHuber)
       Post #: 83

RE: What's your opinion on the AMA? - 5/1/2004 1:15:35 AM   
J_R


 

Posts: 4446
Joined: 1/4/2002
From: Corona, CA,
Status: offline 		Abel

Everyone else knew what you said. Skip it.

(in reply to abel_pranger)
       Post #: 84

RE: What's your opinion on the AMA? - 5/1/2004 1:53:20 AM   
abel_pranger


 

Posts: 2365
Joined: 5/7/2003
From: St Augustine, FL,
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quote:

ORIGINAL: J_R

Abel

Everyone else knew what you said. Skip it.


Jr-
Roger that.

Abel

(in reply to J_R)
       Post #: 85

RE: What's your opinion on the AMA? - 5/1/2004 3:47:20 PM   
yard-dart



Posts: 927
Joined: 3/6/2002
From: West Monroe, LA, USA
Status: offline 		Just reading over some of the posts left since my last RCU visit. I still don't have a real good answer to my question.

1) If a person has homeowners insurance, other than paying for a crappy magazine and being given the right to participate in clubs and club events, why does that person need to give the crappy AMA their money?

2) I think that public post of claims paid by the AMA is a crock! Do you suckers think this is real? Sure, they're going to butter it up a bit and show some claims still in limbo, but I would be willing to bet that what they post is no where near legit! Just goes to show some people believe everything they read.

3) I said it before and I'll say it again, the AMA is getting filthy rich off of us who are paying their dues. Think about how many modelers are paying that fee. Think about how many of those modelers are probably homeowners with insurance. You can't tell me that the AMA is paying out very much! I know that not all modelers are homeowners, but I would say that the majority are.

4) What do we do, those of us that know the facts, those of us who care about getting a service we're paying for? How can we be able to tell the AMA to shove it up their ****. We should be able to get some sort of card/pass saying that we have insurance and we would like to fly at any club or event.

5) As for that nice big new AMA headquarters building, museum?, and airfield..... I couldn't care two rat's asses less about that! I'll never darken their doors or set foot on the airfield and I'm willing to bet that 90% of all paying members never will either! So, yes, our money is being spent in a manner that is of no inerest to us! They try to use that to say that it's for us, the modelers, when in fact a ton of the excess money is being profited by the AMA.


Guys, I could go on and on about this. Some of you agree and some disagree. I think too many believers of the AMA can't see the forest because of the trees! Come on people, I know that all modelers need insurance of some sort, but it needs to be a primary insurance, one that will be the first to pay a claim. That's my whole point, if I have an accident and my primary insurance foots the bill, what am I paying the AMA for?

John

(in reply to abel_pranger)
       Post #: 86

RE: What's your opinion on the AMA? - 5/1/2004 4:37:17 PM   
the troll



Posts: 842
Joined: 2/6/2003
From: right 'round here someplace
Status: offline
quote:

ORIGINAL: yard-dart

Just reading over some of the posts left since my last RCU visit. I still don't have a real good answer to my question.

1) If a person has homeowners insurance, other than paying for a crappy magazine and being given the right to participate in clubs and club events, why does that person need to give the crappy AMA their money?



HE doesn't need to at all


quote:

ORIGINAL: yard-dart
2) I think that public post of claims paid by the AMA is a crock! Do you suckers think this is real? Sure, they're going to butter it up a bit and show some claims still in limbo, but I would be willing to bet that what they post is no where near legit! Just goes to show some people believe everything they read.


YES

quote:

ORIGINAL: yard-dart
3) I said it before and I'll say it again, the AMA is getting filthy rich off of us who are paying their dues. Think about how many modelers are paying that fee. Think about how many of those modelers are probably homeowners with insurance. You can't tell me that the AMA is paying out very much! I know that not all modelers are homeowners, but I would say that the majority are.


No guestion... no answer


quote:

ORIGINAL: yard-dart
4) What do we do, those of us that know the facts, those of us who care about getting a service we're paying for? How can we be able to tell the AMA to shove it up their ****. We should be able to get some sort of card/pass saying that we have insurance and we would like to fly at any club or event.



Are you serious? Heck even AMA card holders can't fly at any club or event.

quote:

ORIGINAL: yard-dart
5) As for that nice big new AMA headquarters building, museum?, and airfield..... I couldn't care two rat's asses less about that! I'll never darken their doors or set foot on the airfield and I'm willing to bet that 90% of all paying members never will either! So, yes, our money is being spent in a manner that is of no inerest to us! They try to use that to say that it's for us, the modelers, when in fact a ton of the excess money is being profited by the AMA.



fair enough

quote:

ORIGINAL: yard-dart


Guys, I could go on and on about this.



yes you can

quote:

ORIGINAL: yard-dart
Some of you agree and some disagree.


so what's new?


quote:

ORIGINAL: yard-dartwhat am I paying the AMA for?


Hmmm... you will have to tell us.

John


_____________________________

oops...could have signed with something humorous...oh well… maybe tomorrow…

(in reply to yard-dart)
       Post #: 87

RE: What's your opinion on the AMA? - 5/1/2004 4:39:18 PM   
J_R


 

Posts: 4446
Joined: 1/4/2002
From: Corona, CA,
Status: offline 		Yard-dart

I do hate to disillusion you, but, you are not the fist to come into this forum with the same list. It has happened at least once a month since the forum began.

If you are an AMA member, you can get to the audited financial statements of the AMA in the Members Only Section. If not, too bad. The CPA firm that did the audit does exist.

Your claims about the truth of statements fall into the same type of beliefs of those who believe that the US never set foot on the moon; that it was all done in a TV studio.

On the other hand, if you have interest in the previous discussions in this forum, start reading. It should take you about a week, full time. When you are done, you will probably maintain your same feelings.

The phrase "My mind is made up, don't confuse me with the facts" seems to apply.

< Message edited by J_R -- 5/1/2004 11:48:34 AM >

(in reply to yard-dart)