Academy of Model Aeronautics Liability Insurance

[yurkio]

Hi everyone! I had a quick question regarding the AMA’s recreational liability insurance. I understand that it covers the excess after your primary insurance such as a homeowners policy is used up however, what if you don’t have primary coverage through anything? I don’t own a home and therefore don’t have homeowners insurance or anything that would give me primary coverage. Thanks for your replies!

 

[BadWolf1]

You've spotted that it could be "Excess of 'zero' " or it could be "Only valid with another policy" and in these cases the best thing to do is ask your insurer, preferably by email or something else which gives you a written answer.
Folk on the internet may have a view or even similar insurance but if the ones who sound right turn out to be wrong when you need to make a claim...

 

[yurkio]

You've spotted that it could be "Excess of 'zero' " or it could be "Only valid with another policy" and in these cases the best thing to do is ask your insurer, preferably by email or something else which gives you a written answer.
Folk on the internet may have a view or even similar insurance but if the ones who sound right turn out to be wrong when you need to make a claim...

yup already sent AMA an email asking, waiting for them to get back to me. Just wanted to see if this situation applied to anyone else and they had experience with it. Thanks for the reply!

 

[Mavic Mac]

Please keep us informed of AMA's response - curious to know.

 

[Deleted member 114292]

Hi everyone! I had a quick question regarding the AMA’s recreational liability insurance. I understand that it covers the excess after your primary insurance such as a homeowners policy is used up however, what if you don’t have primary coverage through anything? I don’t own a home and therefore don’t have homeowners insurance or anything that would give me primary coverage. Thanks for your replies!

When you’re flying at an approved AMA field that is.

 

[theDRONEranger]

From the modelaircraft.org AKA: AMA

https://www.modelaircraft.org/sites/default/files/files/memanual.pdf

 

[MickF]

I'd love to hear from someone who has used the AMA insurance and how the process worked out for them.

 

[theDRONEranger]

Good question, I have it as a member, but never really looked into it.

 

[yurkio]

When you’re flying at an approved AMA field that is.

Nope it’s not limited to only AMA fields. First bullet point in this summary

https://www.modelaircraft.org/sites/default/files/documents/InsuranceSummarybenefits.pdf

 

[theDRONEranger]

Now I remember, that's why I took it. Part Timer's disease, maybe?!?!?

 

[dronerdave]

Nope it’s not limited to only AMA fields. First bullet point in this summary

https://www.modelaircraft.org/sites/default/files/documents/InsuranceSummarybenefits.pdf

That is how I understand it. You are covered away from AMA fields but you must also be flying within compliance of AMA and FAA rules.

 

[yurkio]

Update