AMA INSURANCE UPDATE AMA members chartered clubs contacted AMA HQ Executive Council officers hundreds calls letters during 1991 membership renewal period expressing strong displeasure 1991 insurance changes announced late year significant area concern centered around removal member-to-member coverage under liability policy 1991 members told Executive Council what wanted regard ing insurance coverage responded positively As result special session called act subject AMA Executive Council evaluated impact insurance changes voted proceed elimination member-to-member cove rage reversal based directly upon comments concerns de sires willingness membership pay increased dues retain insurance feature Late December 1990 1990 1991 AMA members mailed postcard announcing reinstatement member-to-member liability insurance Lets summarize changes involving insurance policies will effect individual members 1991 A GENERAL LIABILITY POLICYEffective March 31 1991 1 will NO MEMBER-TO-HIS-OWN-FAMILY-MEMBER coverage regardless family members AMA status member-to-family-member exclusion applies both bodily injury property damage 2 deductible property damage has raised $50 $250 B ACCIDENT/MEDICAL POLICYEffective January 1 1991 new policy limit $25000 provided 1991 AMA members cover medical expense re imbursement Any AMA member may file claim under policy injured regardless causes model operation accident injure own family member also AMA member may collect under policy *** may recall AMA previously announced increased limit Accident/Medical policy new limit $100000 However member-to-member cov erage reinstated readjusted downward lower amount $25000 sig nificant increase over 1990 limit $7500 policies remain secondary coverage members means AMA Accident/Medical Liability policies will pay amounts [up policy limits] covered other insurance member may havesuch Group Medical Homeowners Special Notice now being mailed along 1991 Membership Cards information further clarifies liability coverage limits effect until policy renewed March 31 1991 color-coded yellow instant recognition information merely brief summary Complete details coverages reporting periods exceptions contained master policies file AMA HQ available $2 per policy handling postage Claim forms step-by-step filing procedures available AMA HQ Call 1-703/435-0750 ask Claim Representative Special Services Department claims need reported immediately *** important note voice membership has made difference AMA will provide coverage model operations Members concerns important directly responsi ble Executive Councils reversal its decision AMA liability insurance Council has renewed appreciation members needs Executive Council thanks taking active interest organization AMA looks forward providing its valued members continued prompt caring service March 1991 47 r