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General control line discussion => Open Forum => Topic started by: Paul Taylor on March 17, 2007, 08:54:56 PM

Title: Your home owners pays not AMA????
Post by: Paul Taylor on March 17, 2007, 08:54:56 PM: In my post about my fly away someone stated that they had seen many and had a few and "that's how they found out that your home owners pays not AMA".

Is this true? Anybody else know how the AMA will pay out should you have a mishap?
Title: Re: Your home owners pays not AMA????
Post by: Marvin Denny on March 17, 2007, 09:02:27 PM: Root, that is correct. Your home owners and/or medical is first to pay then AMA. AMA is "secondary" but will pick up the deductable or co payment.

Been there --done that

Bigiron
Title: Re: Your home owners pays not AMA????
Post by: Wayne Collier on March 18, 2007, 03:05:17 AM: I don't own a home so I don't have homeowner insurance. Now who pays?
Title: Re: Your home owners pays not AMA????
Post by: Dick Fowler on March 18, 2007, 06:00:38 AM: Quote from: Wayne Collier on March 18, 2007, 03:05:17 AM
I don't own a home so I don't have homeowner insurance. Now who pays?

The AMA becomes primary in the case of a "homeless guy" flying toy airplanes! H^^
Title: Re: Your home owners pays not AMA????
Post by: Terry Bolin on March 18, 2007, 06:46:12 AM: Make sure and read the AMA rules on the matter. They have the right to not pay if any of their rules are not followed. I was looking at that this week. (Safety thong, clear area, distance from power lines, etc.) Hopefully we will never ahve to use it.
Terry
Title: Re: Your home owners pays not AMA????
Post by: phil c on March 18, 2007, 08:15:52 AM: Read your homeowners policy too. They also have limitations and restrictions for liability insurance.
Title: Re: Your home owners pays not AMA????
Post by: Marvin Denny on March 18, 2007, 09:59:39 AM: Quote from: Dick Fowler on March 18, 2007, 06:00:38 AM

The AMA becomes primary in the case of a "homeless guy" flying toy airplanes! H^^

Read the AMA policy. It is SECONDARY to ANY insurance that you might have that covers the incident Home owners, renters, medical etc. File with your insurances and if they don't pay, then file with AMA for the non covered amounts.

AMA IS SECONDARY

Bigiron
Title: Re: Your home owners pays not AMA????
Post by: Andrew Borgogna on March 19, 2007, 04:13:02 PM: Everything said so far is true, but know this the secondary coverage for medical can be substantial. Many years ago I stuck an Xacto blade stight into my left palm and severed a nerve that left my entire left thumb completely numb. When all the deductables were added up for the emergency service the micro nurosurgery to repair the nerve and all the follow up medical attention those deductables became quite large. Good thing a close flying buddy told me to contact AMA, the insurance paid 100% of all the bills my medical insurance didn't pay. So it may be secondary but don't discount that as trivial.
Andy Borgogna