Lowlevlflyer

NO. If you have no other coverage, the AMA policy becomes primary.

Second item. Call your insurance company. The entire basis of the AMA being able to put together the insurance package is that aircraft are defined by insurance companies as being able to transport a person, or words to that affect. Agents, unfortunately, are typically sales people with a limited knowledge of their product, IMHO.

Years ago, my agent told me the same as yours did. I called the company and was told differently. Some, and I believe Horrace is one, makes his agent put it in writing that he is covered. Another ploy that has worked for some is to ask the agent for a quote of coverage for your models. In every case I have seen, the agent has had to come back and say "I made an error, you are covered".

Having said all that, every state is different, and even the wording from company to company can be different.