ORIGINAL: rcmiket
"Does anyone remember the Sport Flyer's of America (I think that was the name) of a few years back. Tried to form a National organization to give an option to the AMA. Didn't happen for a number of reasons."
Yes they were in fact around for several years, then due to some unfortunate legal issues and the death of the founder they went buy the wayside. I was a member till the demise of SF. They were your Primary insurance.
NOT TRUE! From Sport Flyers of America document:
Sport Flyers of America Coverage Summary
(Liability Coverage)
• This policy is “in excess” of any other applicable coverage. (This means that coverage is primary only when no other insurance is available.)
Which is essentially the same as AMA insurance.