One reason that AMA Insurance remains always a topic of discussion is due to this kind of statement:
Quoted from AMA website.

>>>>>
2004 INSURANCE SUMMARY
-THE FACTS ABOUT AMA’S INSURANCE For Individual Members
Commercial General Liability Coverage (Effective March 31, 2004)

· AMA Liability Protection applies to bodily injury or property damage caused by an AMA member. Any
AMA member who causes an accident must report that accident immediately to AMA HQ.

· Applies to accidents arising from the operation of model aircraft, rockets, cars and boats, in
accordance with the AMA NATIONAL Safety Code(s).·

The per occurrence limit of coverage available by this policy is $2,500,000 involving bodily injury
and/or property damage with an annual aggregate limit of $5,000,000 per site. These limits are for
claims occurring during the policy period. Coverage is provided only for accidents arising from the
model activities.

· Failure to comply with the AMA Safety Code may endanger insurance coverage.·

A separate policy covers participation in FAI events outside of the United States and Canada. This
policy has a $1,000,000 limit.
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The BOLDED statements do not complement each other, just add more "what ifs" to the system. However that is all part of the legalese plan. Keeps it all to be resolved in each case by case.