| AMA insurance has a $250 deductible, which means that if they paid
| for a windshield, the windshield was probably too expensive.
Last I heard, windshields were generally a good deal more than $250.
| AMA's insurance agreement specifically exempts them from paying for
| modeling related personal injury suffered by an AMA member.
Now that one's news to me. It's certainly not mentioned in their
insurance summary at
The summary does say there's no coverage for injury to one's family
members, that's clear enough. But the Accident/Medical Coverage part
looks like it DOES pay for AMA members ...
| AMA is not responsible for anything that occurs while a model is
| being operated in a manner not in accordance with the AMA safety
This is brought up all the time. I'm not aware of any cases where it
was invoked (beyond your example) but it's certainly brought up a lot.
| My friend who looked all of this up did so to end Jackson County's
| requirement that we join a private organization at a cost of $58 per
| year for the privilege of using a public facility.
As I understand it, AMA provides insurance to clubs that is seperate
from the insurance provided to it's members directly. This insurance
provided to a club is practically free (being subsidized by the
membership dues) and is *primary*
it a bit more. It does say it's *primary*
As I understand it, most of the claims made aren't even R/C related --
they're more `grandma slipped on a wet spot and sued it' sorts of
things. But that's just what I've heard ...
| My friend has $3 million liability coverage on his homeowner's
| policy, and the county has $25 million more, so technically the only
| way AMA would be liable for my friend is if the damages exceed $28
| million, unless he were found to be in violation of the safety code,
| in which case they would technically not have to pay at all.
Again, the AMA provided club insurance ought to pay before the
county's insurance, though I imagine they may argue about that.
(Often it's dangerous having two different policies that could cover
the same thing, as they'll argue about who should pay and in the end
nobody will pay for a long time, both saying the other should pay.)
As you've realized, the AMA membership thing is all about insurance.
It was a brilliant move on the AMA's part to offer insurance like they
did. It, more than anything else, has increased the membership of the
| Incidentally, we're going to call back and talk to the county again
| this week to follow up with them about that insurance requirement.
| When they saw the facts earlier this year, they understood that it
| is ridiculous to require all of us to buy a $1 million dollar policy
| that is secondary to the county's own insurance. It looks as if
| that requirement will likely be lifted for calendar year 2006.
Of course, another possible outcome is that they could boot the R/C
club from their land entirely, not wanting the potential liability
I suspect that the insurance situation is not as you are making it
appear to the county. At least the AMA's documents don't make it seem