Sounds very similar to a situation here also. AMA is utilized here also but the City would have accepted another form of insurance as well. AMA just makes it easy. For a municipality to set some standard for or level of insurance to protect themselves is quite understandable but it would amaze me to find a public entity that requires one to belong to a particular organization such as AMA.


I have heard many times that such and such municipality requires AMA but I doubt it has been taken to test.

It is just easier to trim the sails than change the direction of the wind. (Oh, I got that sage advice recently and thought it fitting here. )