Here is the message that has just been posted by Bobby McGee:

While on the topic of insurance coverage, if anyone has had FIRST-HAND EXPERIENCE regarding their claim with the AMA for the "coverage," please post your experience as to the bureaucracy involved with the submittal, and the outcome. Since AMA 's insurance is merely secondary, I'm sure there are many conditions that need to be met as well as many reasons for the denial of this insurance.


Not much of a bureaucracy. You report the claim and it gets assigned to an adjuster. They basically monitor the underlying claim while the other carrier attempts to resolve the claim. We've only had one, and it resolved well under the primary layer of coverage that this person had, which was 250k (90k for a broken leg). Have never seen a denial of coverage here, or anywhere else. All policies have provisions in them that have to be met, but it's rare that a coverage denial is sent to a policy holder that hasn't been blessed by an attorney. It's also rare to see a third party claim denied based on the insureds policy issues (since the 3rd party is typically the innocent party). Yes people complain about insurance companies all the time, but it's a highly regulated industry, usually subject to state oversight, and many times requires individual licensing for adjusters. As with most things, there are exceptions.