AMA insurance is no different than any other insurance out there. If you don't follow their rules they won't cover your claim, simple as that. As far as them banning you for life from their coverage and all that other nonsense spread in this forum, they would have to have grounds for that sort of thing, not just hearsay evidence. So fly to your hearts content on your own property and burn the whole place to the ground if it tickles your fancy, the AMA can't do a thing about it and would care even less.