AMA Insurance Questions

[andersonpaac]

I'm planning on buying insurance from AMA. Has anyone here filed a claim ? What are your thoughts on the insurance , would I be insured if I flew in a suburban area , city or parks?

 

[Michigan_PI]

Go to their website and look up the insurance coverage and exemptions

 

[joeflyer]

AMA insurance is secondary to your homeowners.

 

[SilentAV8R]

AMA insurance is secondary to your homeowners.

True enough, and if you have no other insurance it is primary. And being "secondary" does not mean it is useless. Lots of folks have relatively low limits on their insurance, and in that case AMA picks up where your other insurance left off. So say you get sued for 3.5 million dollars and lose. Say your homeowners is 1 million, AMA then picks up the rest. But in that same instance if you got sued for $100K and lost and your homeowners covers it all, then AMA would not be needed to kick in.

AMA also does other stuff. Like the group of slope glider fliers who got sued by an unhappy homeowner. AMA stepped in and provided legal help which ended up in the suit being thrown out. $75K in legal fees, nothing owed by the members. As far as I am concerned AMA is worth every penny of the $58 dues.

http://www.modelaircraft.org/membership/membership.aspx

 

[SilentAV8R]

Says aircraft not to exceed 2 pounds. :lol: I don't even know what my P2V weighs ! Looks like a great deal but all I saw was $29.00 a year ?

You're looking at the Park Pilot membership. Regular Open membership is $58 and pro-rated for the year

http://www.modelaircraft.org/membership ... tions.aspx

Here is the AMA Safety Code: http://www.modelaircraft.org/files/105.pdf

You can basically fly anywhere you want to as long as you have permission and are following the Safety Code.

 

[andersonpaac]

AMA insurance is secondary to your homeowners.

True enough, and if you have no other insurance it is primary. And being "secondary" does not mean it is useless. Lots of folks have relatively low limits on their insurance, and in that case AMA picks up where your other insurance left off. So say you get sued for 3.5 million dollars and lose. Say your homeowners is 1 million, AMA then picks up the rest. But in that same instance if you got sued for $100K and lost and your homeowners covers it all, then AMA would not be needed to kick in.

AMA also does other stuff. Like the group of slope glider fliers who got sued by an unhappy homeowner. AMA stepped in and provided legal help which ended up in the suit being thrown out. $75K in legal fees, nothing owed by the members. As far as I am concerned AMA is worth every penny of the $58 dues.

http://www.modelaircraft.org/membership/membership.aspx

Is there any insurance for the hull itself?

 

[SilentAV8R]

No. AMA provides liability coverage in case you smack into somebody else or their property. They provide medical coverage in case you hurt yourself while flying. And they do provide fire/theft/vandalism in case your stuff is torched, stolen, vandalized.