Ghostbear

Unfortunately, to really understand any insurance policy, you must read it. The information is on the AMA web site

A quick summary of coverage:

It is secondary to any other insurance you have

It is primary for the landowner (if a club has secured a certificate)

It covers your models against fire/theft/vandalism up to $1000 with $100 deductible

Your covered for $10,000 death or dismemberment

You have $25,000 accident/medical coverage with $50 deductible

You, the club, and the site owner (if a certificate has been issued) are covered with $2,500,000 liability insurance with $250 deductible FOR COVERED OCCURRENCES (read the policy).

There are exclusions. For instance, slander and libel are not covered.

Mid-airs, and other damage to equipment are not covered.

To fully understand what is and is not covered, you must read the policy.

IF your claim is for a covered occurrence, the AMA pays very rapidly. Most complaints are because the individual does not understand what is not covered.

JR