An example of what this coverage does is if you crash your plane into someone's car it would help pay for the damage.
The AMA insurance is supplemental to homeowner's insurance, so being underage, your parent's homeowner's insurance would pick up the initial cost. Keep in mind, if you hit a person instead of their car, then your parents homeowner's insurance might not cove the law suit that would follow, and without AMA insurance it's possible that your folks might lose their home. [X(]
Dennis-