Maybe they won't deny a claim but in a situation that I assumed the victim would be taken care of he was not. Two AMA pilots flying, one gets hit by the others plane. The owner of the plane has homeowners insurance, the victim is currently unemployed without health insurance. The homeowners company says it's an assumed risk to be out on the flight line so their client is not at fault. AMA only covers 20 thousand for personal injury so the guy is out of pocket for the balance of his 100 thousand plus in medical not to mention disability.

They didn't deny the claim but the coverage is very limited. Don't assume that because everyone at your field has AMA that you are fully covered.