BasinBum

You are missing the point. The AMA is not an insurance company. The AMA is the insured. They are in the same position as an employer. You are provided insurance as a condition of your membership under a master policy, as is your club, and your landlord (yes, even the City of Los Angeles). Just as an employer generally does not supply the actual policy to it’s employees, but instead substitutes a general description of the coverage, the AMA does not need to supply the policy to it’s members. Apparently jrjohn is under the same misconception. I have neither the time nor the desire to educate him further. You, on the other hand, have my attention.

JR