ORIGINAL: J_R
Abel, when I said we were covered legally, I explicitly meant that we were covered without a written contract. I guess that is not the way you took it. If you are talking about the particular coverage, it was my understanding that the coverage was the same as the previous carrier's wording until the wording from Westchester was approved by both parties to the new policy. The changes the AMA wanted and requested are/were part of that process. I do not know if the final version has been agreed to. That is one, but, only one of the reason I have not read the policy completely.
Ooooooooookay............
If you're all right with that, fine by me. I'm not, and the abuse of the AMA insurance policy to turn Dave Brown policy into AMA policy doesn't help matters a bit in my mind. But, assessing insurance needs is a personal matter, except as dictated by others for participation in just one activity that I know of, so do your own thing.
Abel