RE: AMA charges too much
The accident was his fault so he was not looking for any body to make him whole for his error. But he did appreciate the $25,000.00 from the AMA medical policy.
I won't go into details for his privacy, but you would be astonished what it costs for correcting major damage to your hand and fingers. One point to consider is the AMA Medical is a cost reimbursement for medical expenses and not "medical insurance". If you don't have your own medical insurance with negoiated rates for medical procedures you pay the "cash" rate for the services. That is much higher.
Brad