The AMA loves to tell you it's the insurance that you need so bad, but in reality, it's rare that they will pay a claim for most people. The AMA insurance is secondary only!! If you have personal liability ie.... Homeowners,condominium or renters insurance, You more than likely have coverage for bodily injury or property damage done with your airplane by you or members of your imediate family living with you, and the coverage is worldwide! Not just at an AMA field.

If everybody understood what the AMA really covered, they might wonder what they are paying 58 dollars a year for. Have you ever noticed they don't give you a policy!! I called and asked to see the field policy, I was told by the AMA that they don't have it! The they told me that when they do get a copy, we will have to pay 5 bucks to get a copy even though we paid the premium for this contract. The AMA could be in for a little surprise if they don't start handing out copies of the insurance contract to each of it's policy holders.
Our club of 50 members sends nearly $3000.00 per year to the AMA. Its crazy because our club could sure use that money, maybe not as much as the AMA needs it, hey they have that nice new building, to pay for, salary's for all those employees, health Insurance, maybe some retirement plans, dinners, lunches, drinks, cars ect.....
I've heard that some clubs are dumping the AMA and putting the dues into club kitty. Like I said above, you alreay have personal liability. Every year instead of paying the AMA, you can simply call your insurance agent and ask him or her to issue a certificate of insurance to your club proving you have personal liability. Then your club can go out and buy premisis liability for the field, I checked into this already. The AMA told me it will cost 1,000 to 10,000 per year for this policy WRONG!! $300 dollars per year! they will name your landowner as additional insured. You will get a copy of the policy and so will the landowner. (unlike the AMA) What could your club do with the other $2700 dollars, I have some good ideas

jr