To a point, I have to agree with Horrace. Carl administers the AMA program where the membership is involved, but, even he does not know everything about the policy. IMHO Larry Johnson is the only one, not an employee of the insurance company, that has a better handle on what is in the policy, and he is not available to the membership (he is the insurance agent). As a result, unless you are willing to spend the money to have an attorney analyze the policy, Carl is the best source available.

Jay

I do not believe any AMA member knows exactly what the coverage of the AMA policy is. Many members only surprise is that the AMA policy is excess. When it comes to making claims for events that are actually covered, there appear to be virtually no surprises. I have issued a challenge, here and elsewhere, to find ANYONE who has had a claim turned down by the AMA, where the AMA policy is the one actually insuring the incident (as opposed to homeowner’s, etc.) . Thus far, and it has been a couple of years, no one has come forward. Occasionally we hear rumors of such, but no one knows anyone it actually happened to. In talking to Carl, he could not remember a claim being turned down, although he left the door open, stating it is possible he may have forgotten one years ago (discusson was 8 mo ago, now). After reading the Club Charter Package, my concerns were addressed. That does not mean that everyone’s concerns will be addressed, but, it is the best published info out there, IMHO.

Now let me ask a question. If what I have stated is fact, and all claims have been handled, does that imply that members operate in a manner consistent with safe practices and should be given the benefit of the doubt when we make assumptions about the common sense of the average modeler? Sure, we occasionally have an accident. That is what insurance if for. The number of actual claims, for a membership of about 170,000, is absolutely miniscule.