I have been present for two accidents which were indeed paid by the AMA. The members had no homeowners liability, so the AMA paid first. One involved a model losing a wing and the resulting missile of a fuselage impacting on fairly expensive custom ski boat on a trailer on the access road to our field.

If your three situations involved members that have personal liability coverage, it is fairly certain that their personal insurance paid first, and the AMA insurance was still there as an umbrella of higher liability coverage that was not needed in these cases.

Without providing some sort of details or backup, your statement is pretty meaingless.

In any case, your statement that AMA insurance is not worth the paper it is written on is simply not true. Do some more research.