AMA is "excess" or secondary insurance. ( I used to work for Allstate ) It kicks in after all other forms are exhusted. This is a normal and common approach.

Your personal healthcare, your auto, your homeowners are all typical primary insurance. They are your first line of defense. AMA sits behind them to provide additional coverage should those not be enough.

It works something like the back-up chute for a sky diver. You NEVER expect to use it, but no jump pilot will let you in the plane without it and only a fool jumps without a back-up chute.

If you have nothing in your life worth protecting, then insurance seems such a bother. I have a wife and kids and a home and personal property as well as my health and the well being of those who might be injured by my actions. Since I have a LOT to protect, I want that extra coverage. And since the AMA coverage is know and understood by local governments, it buys me acceptance on top of coverage.