Your friend got lucky dude, not because of the accident but because he had the worthless insurance from AMA. Had he any other insurance, the AMA is last out of the chute. We are still at 1 to 1.

Did you take the time to actually read the information concerning the insurance, or are you putting all your eggs in the one basket you saw get tipped over.

Don't know how old you are, but trust me you don't have the style it takes to use the word "dick" to anyone.