FYI: On Sat. Oct 04, '03, at the South Western Aeromodeling Conference, Mr. Carl Maroney presented an outstanding professional presentation of AMA and Insurance. I attended.
While I don't have a lot of notes, perhaps you may be interested in these figures.
For the CURRENT insurance year SO FAR, AMA has paid premiums and its share of payouts for insurance policies of:
Accident and Medical: Premiums $ 106,000.00 AMA Payouts; $332,242.63
Fire, Theft, and Vandalism: Premiums $7,277.50
Liability Basic: $850,000.00 with layers $1,000,988.35
Total insurance costs to AMA so far: $1,446,508.48
Personal observation: AMA paid the 332 grand out of the deductions. Information about the insurance company's payouts was not available.
There are outstanding claims in FL(2), IL, CA, TX, and MS. One in FL involves a member that jammed a chisel through his own hand.
The one in TX is in MY club. (Hung a G-38 on a recommended 1.2 --1.8 airframe [Sig Extra 300XS] without any reinforcement. I wouldn't hang a .60 on that without a rebuild) After a few flights and a couple bumps in the grass, XX?X was tacking engine from front and the G-38 and firewall BIT him -Big time)
One in CA, guy lost arm at elbow, 22" fiber prop.
One older story; Guy was injured severely by another flier. The "another flier" had forgotten to pay premiums on HO insurance. HO company weaseled out. AMA was primary for, I believe -- not in my notes -- some 1.2 mil. settlement. Injured party was unable to continue his profession. Airline Pilot.
Four AMA connected deaths this year so far: CA. CO. FL, IL, Chasing FF on motorcycle/injured/died of complications. Heart attack (CO but in OK at SAM meet.). Watching airplane walking back with head high, trips and hits head, and I forgot to note one
The Insurance program is for our protection against the other guy's error and injuring us. Be certain your fliers are AMA.
One BIG Point: If A turns-on on B, and B causes injury/damage to C, then B is protected, however if A gets sued by C and/or B, A is all on his own - SO USE GOOD PROTECTION - USE SAFE FREQUENCY!!! (;-))
Some interesting Safety Discussion however a couple questions will be reviewed. I questioned the new AMA 2004 Safety Code which precludes any RC equipped for "Autonomous" flight. There will be a review of the definitions and wording. I was assured that auto-pilots such as FMA would be retained. The other big topic is that we need more Info about accidents passed to the membership. Hate to say it but even Sandy Frank was all for that subject. The Insurance Broker (non0AMA) was also on our side. Carl M. promised to take it to the Safety committee.
Elect me for D-VIII VP and you WILL get more information.
Sorry for all you D-8 and neighboring persons that missed the SWAC. I had a BALL! Spent far too much money!!! ? ?
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Horrace D. Cain AMA 539 CD & Leader It's 'FLYING TIME' again, I'm gonna' leave you!