58 bucks is not a lot of money, who said it was? I'll try to explain this one more time for those that don't get it. When you don't know what your policy covers and does not cover, it's not the 58 bucks that you spent that can kill you. It's finding out that somthing you thought was covered is not covered. Thats when it gets expensive. When your looking at a lawsuit and the AMA says "sorry according to our policy you broke this rule, that rule, you did this you did that, this wasn't here or that wasn't there, or you didn't have the number here or there, or it was too fast or too slow, wrong time of the day, the person was standing in the wrong spot and on and on and on.

In one the the last AMA magazine issues there is a tiny little article about fuel tank over fill, how it's polution if you over fill your tank and let the excess gas go on the ground. The AMA says this is polution. I totally agree! I have been saying this at club meetings untill I'm blue in the face. The AMA says "Polution is not covered" And it's pretty standard language I have no problem with that. Here is the problem Untill now I had no way to convince some of the people to stop overfilling onto the grass. Finally now I can say LOOK!!!! it's polution and it's not covered!!!! If someday we are required to clean up the spilled fuel, our club will have to pay, and I don't thinkk polution cleanup is cheap. Now they understand!

It's nice that the AMA told us about this one exclusion very nice indeed, but if telling us one exclusion is good, then certainly telling us all of the conditions and exclusions would be better. We have meetings each month, this is the kind of stuff we can talk about!

I'll say it again

58 bucks is NOT alot of money, but finding out you don't have coverage for something you thought was covered IS EXPENSIVE.

I would rather the AMA gave us no coverage at all, then to give us coverage and not tell us exactly what it is, and give us a copy of the policy.

At least if they told us there was no coverage we would then go out and seek coverage from a company that will give us a policy in language we can understand. INSTEAD OF THIS BLIND FAITH THAT WE NOW NAVE. We could call the company or agent, they are always willing to explain if you don't understand. I do this with my customers all the time. They ask a guestion, I say "get your policy and I'll help you" I refer them to the page and we read it together. Somebody keeps implying that we modelers can't understand something in writing, that it's better for us not read the policy. like a mushroom we are best kept in the dark. This is an insult to all modelers including me.

58 bucks is not a lot of money, but if the result is blind faith in something you think you have, only to find out someday that the rumors you heard were not true and you don't have coverage you thought you had, then even one dollar of dues was expensive because your blind faith just got you in a world of hurt.




John