Hi Abel

If you thought the previous post contained goofy info, here is more. The first year that Westchester had the policy (3/04 IIRC), there was no written policy. Also remember that the policy begins and ends on March 31, which is club renewal time and the reason for the date. Look at the date on the "most recent" policy... 5/22/05 for the period of 3/31/05 to 3/31/06. If I understand a conversation I had, the reason the changes did not take place sooner was because there was no policy to look at. Again, if I understand correctly, the first year or so, the agreement was based on the previous carrier's policy.

As far as I can see, from what I have been told, the AMA did a pretty good job of picking up the errors. At the same time, legally, we were covered. As you know, I have been shooting arrows at the EC lately, but this is not one of the targets, IMHO.