I agree with you as far as H.O.Policy not paying too much in drastic personal injury. My only point is, I doubt AMA pays out many $ due to the other insurances being the first in line and the lack of actual personal injury claims. It would be interesting to find out how many accidents and how much $ AMA actually pays out in a year. I dont forget, you still must follow all the guidelines of range checking, name and address(or AMA #) inside your planes etc.... But I suppose to some it gives you the peace of mind.