I may be wrong (It's happened once or twice in my lifetime) but I was under the impression that the AMA doesn't have one policy each for all of us 200K members , and instead has an "Umbrella" policy covering all of us AMA members as a group ? As in , there is no separate init4fun policy and Hydro Junkie policy and r ward policy like our cars have , just one big group policy covering us all . I could more easily believe the AMA has a group policy based on the raw number of members VS writing a separate policy for each of the 200K of us .