Revised Insurance Summary: -The Facts About AMA's Insurance-

Revised Insurance Summary

This information is a brief summary. Complete details of coverages, reporting periods, and exceptions are contained in master policies on file at AMA Headquarters and are available for $2.00 per policy for handling and postage.

— The Facts About AMA's Insurance —

For Individual Members

Comprehensive General Liability Coverage (Effective March 31, 1991)

AMA liability protection applies to bodily injury or property damage caused by an AMA member. Any AMA member who causes an accident must report that accident promptly to AMA Headquarters and complete a written claim report within sixty (60) days.

1. Applies to accidents arising from the operation of model aircraft, rockets, cars, and boats, in accordance with the AMA (or NAR) Safety Code.
2. Policy limits are $500,000 per occurrence for bodily injury and $500,000 per occurrence for property damage, except for claims involving model cars, boats, and rockets where a $100,000 per-occurrence limit is provided. The policy provides an overall limit of $1,000,000 for all claims occurring during the policy period; this aggregate limit applies individually and collectively to all insureds and is provided only for accidents arising from the operation of models in accordance with the Official AMA Safety Code(s).
3. Covers activities whether competition or sport, provided that the original suit for damages is brought in the United States of America.
4. There is no coverage if the member is not in compliance with the AMA Safety Code when the injury or damage occurs. Also, there is no liability coverage for claims or suits between an AMA member and his or her own family (household members and relatives).
5. Coverage is excess to any other applicable coverage, such as a homeowner's policy.
6. Has a $250.00 deductible (property damage only).

Accident/Medical Coverage (Effective January 1, 1991)

The Accident/Medical coverage applies to injuries resulting from flying or model operations regardless of who causes the accident. It reimburses an AMA member for medical expenses (and the beneficiary for loss of life). The Accident/Medical coverage works as follows:

1. Provides up to $25,000 for personal injury, and up to $10,000 for dismemberment or death.
2. Operates directly — does not require claim action by another person.
3. Pays upon submission of bills or other documents certifying cost of treatment and that the injury was caused by model operations.
4. Reimburses only for those medical expenses not covered by any other health plan.
5. Has a $50.00 deductible.

Fire, Vandalism, and Theft Coverage (Effective October 8, 1990)

1. Provides up to $1,000 for loss of aircraft models and accessories, including RC equipment. All theft loss claims must be accompanied by a police report. Note: there is no coverage if theft was from an unlocked vehicle or dwelling; there must be signs of forcible entry.
2. Has a $100.00 deductible.
3. Is excess to any other applicable coverage.

Claim forms and step-by-step filing procedures are available from AMA Headquarters. Call (703) 435-0750 and ask for the Claim Representative in the Special Services Department. All claims need to be reported immediately.

Transcribed from original scans by AI. Minor OCR errors may remain.