Without trying to argue the "facts" that were presented by redfox, all I can say is that I have never heard of AMA outright refusing coverage with one exception. That was the guy who ran into the Goodyear blimp on purpose.

For all other claims there is an established process and it is NOT up to one "AMA rep" to make the determination. Once a claim is filed it is reviewed, investigated and usually ends up with lawyers before it is all said and done. But the inference in the post is that the member called the AMA and some nameless "rep" denied coverage. It is just not that simple.

I have personal knowledge of more than a couple cases and I am presently involved in a court case involving an injury. I have spoken with lawyers hired by the AMA to represent members and I know that AMA simply does not deny claims out of hand.