ORIGINAL: KidEpoxy
gonn make a clear hypothetical to see if we agree on what SC-GG is saying
Guy A is a neighbor standing in the club Parking Lot, he came to complain abiout the noise.
Guy B is a AMA Clubmember, trying to talk down Guy A calling the cops
Guy C is a AMA clubmember flying his 84" Twin Gas P-38.... who kas been flying with his knees locked in the sun... and suddenly collapses unconc from blood flow problems.
Now said 84" P38 does a wingover and sceams past the No-Fly line with nobody at the sticks, and Guy A & Guy B talking in the parkinglot each get a Fuse & Gas Engine to the head..... quick trip to the hospital and $75k of surgury latter they both hit up the AMA insurance for the exact same accident.
Guy A being a non-member gets liability over the no-insurance Pilot and recieves the $75k - deductable liability coverage from the AMA insurance.
Guy B is a member and only gets the $25k - deduct because of the No-Member-Member liability. He has to sue Guy C pilot to bancrupcy to try to pay his med bills
Guy C doesnt get a new plane, because it was DumbThumb excluded from model fire/theft/etc coveage, and looks at chapters 7 & 11 to find the best way to not have to sell everything he owns to pay GuyB
Is that about right?
NO
no the difference between bodily injury and personal injury? read the policy. unless U or your plane are, as an example, going around slandering an AMA member, most injury is gonna be covered.
U guys gotta quit reading the owners manual and the literature the dealer gives you and go to the document that actually explains how it works