Hi MikeMc
Your last post brings us back to the point that the AMA is not an insurance company. The liability policy is through Westchester Surplus Lines Insurance Company
http://www.modelaircraft.org/templat...urance0325.asp . The AMA is not licensed to sell insurance in California, or any other state, as far as I know.
A captive insurance company has been created, but not activated or funded. The captive would require licensing in each state. Each state has it’s own laws and regulations when it comes to insurance, so what you know about your personal insurance may or may not be accurate in other states.
The coverage provided by the AMA is more closely akin to the insurance an employer might supply to an employee (bad analogy, but better than viewing the AMA as an insurance company). The employer is not an insurance company either… at least not in most cases.