Jr, it's difficult to talk or write to you on this matter, the main reason is, You don't understand Insurance terminology because of this your taking words out of context. I didn't just say "Property Damage" I tried to make it easy for you to understand so I said "bodily injury and property damage" This is public liability.


You have no clue what a certificate of Insurance is, nor do you understand the Agent Company relationship. If you understood what a certificate of insurance does, you would understand that the certificate holder is given ample notice of a future cancellation.

You talk about the low limits of insurance in CA. I assume you also have these low Limits? And if so, why then is it so important for only one small segment of your life to have such high limits for your wrongful doings? I'll for sure admit that CA and it's people are different, you guys make the news for crazy things on a daily basis.

If you are correct and people in CA don't have any insurance, then yes, I think the AMA is a wonderful option for you. have at it!

Jr, I will not be able to take the time to educate you on insurance, I have over 25 years in the business including Home office underwriting, and sales. I'm a licensed professional. You can say what you want, but so far you have shown me nothing that would lead me to believe you have any knowledge in this area.

I still get a kick out of the "we don't send you the policy because you wouldn't understand it" Lets go to court with this one for a second. Here it is....... A certain club has a terrible bodily injury claim that is not covered by the AMA for what ever reason, lets say it came under a policy exclusion. The club and injured party sue the AMA claiming they though it was covered. The Judge asks Your Carl friend why they didn't send a copy of the policy to the insured (club) Carl tells the Judge, "your Honor, we didn't send them a copy because we didn't think they would understand it!

OH my God I can just see the look on the Judges face when he hears that. I think we could go for a sumary judgment!

I have noticed one thing about arguing with people that don't have the appropriate knowledge in the area they are discussing. they will try to drag you down to their level and then beat you with experience. I won't let this happen, unless you can talk or write intelligently about this subject, I will not have time to educate or help you any further. I guess your first message was not sincere, Your not looking for a better way or to help your club, your just looking for a fight.


Oh by the way, funny you should mention the name Carl.....