Welcome to PhantomPilots.com

Sign up for a weekly email of the latest drone news & information

AMA Insurance Questions

Discussion in 'General Discussion' started by andersonpaac, Jul 29, 2014.

  1. andersonpaac

    Joined:
    Jun 17, 2014
    Messages:
    338
    Likes Received:
    0
    Location:
    Illinois USA
    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?
     
  2. Michigan_PI

    Joined:
    May 16, 2014
    Messages:
    176
    Likes Received:
    0
    Location:
    Detroit, MI
    Go to their website and look up the insurance coverage and exemptions
     
  3. joeflyer

    Joined:
    Dec 22, 2013
    Messages:
    106
    Likes Received:
    1
    Location:
    Plymouth, Michigan USA
    AMA insurance is secondary to your homeowners.
     
  4. SilentAV8R

    Joined:
    Apr 2, 2014
    Messages:
    943
    Likes Received:
    18
    Location:
    Orange County, CA - USA
    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
     
  5. SilentAV8R

    Joined:
    Apr 2, 2014
    Messages:
    943
    Likes Received:
    18
    Location:
    Orange County, CA - USA
    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.
     
  6. andersonpaac

    Joined:
    Jun 17, 2014
    Messages:
    338
    Likes Received:
    0
    Location:
    Illinois USA
    Is there any insurance for the hull itself?
     
  7. SilentAV8R

    Joined:
    Apr 2, 2014
    Messages:
    943
    Likes Received:
    18
    Location:
    Orange County, CA - USA
    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.