I've seen some adds and BBS coments about AMA insurance versus 
SFA.  Now as I understand it SFA insurance has a $250.00 deductable 
which the individual is responsible for and the rest is covered by the 
insurance company SFA works through.
       AMA on the other hand also has a $250.00 deductable the 
individual is responsible for but, AMA itself then covers the cost up 
to $250,000.00  This is sort of like a 1/4 million deductable with the 
AMA covering most of it right?
       My question is, what is the individuals guarantee that the AMA 
will pay this roughly 1/4 million and not leave the individual out in 
the cold for some reason?
       What if the claim is more than 1/4 mill and the AMA won't pay 
their part, does the insurance carrier still cover the amount above 1/4
million then?
       I am curious since I can see where every modeler is staking 
their homes and family wellfare on the concept that the AMA will pay.  
I know they always have to this point but then, the Titanic was 
unsinkable before it hit the ice.  What's the scoop?  In english 
please.
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