I feel the AMA should address another issue relating to insurance coverage and membership rates. Since AMA insurance is secondary insurance, why should I, having a current homeowners and umbrella policy, have to pay the same membership rate as someone who say lives in an apartment for example with no other primary insurance. In the event where a claim may have to be paid, the AMA (in my case) would be in a much better position of not having to pay out. Where if I had no other primary insurance, the AMA policy becomes the primary.

Perhaps the AMA should take personal coverage into consideration when determining membership rates or tiered levels.

JR Gautreaux