ORIGINAL: KidEpoxy
804
A few years ago at the XFC, we witnessed a guy get hit in the eye by a piece of wrecked helicopter.
What happened then?
Did everyone cry out that our AMA insurance shouldnt pay for that guy's eye,
that he knew the risk of toy airplanes so we shouldnt pay him a dime?
KE seems not to understand that the AMA liability insurance, whether it is primary or secondary, is liability insurance. If you get sued for something for which you're not legally liable, your liabillity insurance doesn't cover the damage (although, if it is primary, it will normally pay your defense costs) No liability insurance policy (such as homeowner's or the liability insurance on your car) simply pays all claims made, even if the claimant really was injured. For that to happen, you need first party insurance (like fire insurance on your house, collision on your car, or medical insurance). So it's pointless to complain that the AMA isn't simply paying up: why should it? Who has ever even suggested that it ought to?