I think you missed my point.  AMA is not an insurance company 
but it is providing a certain amount of coverage in the form of the 1/4
mil deductable.  Insurance companies are rated, bonded, and certainly 
have their reputations to guide the public to a decision.  AMA is not 
rated nor bonded yet thousands of individuals are literally staking 
their personnal worth on them.  As far as I know the AMA does not fall 
under the laws and government guidlines that control insurance 
companies so agian, what is our guarantee that the AMA can and will pay
when we need then?     
       From where I sit I see a choice between an organization fully 
supported by a true insurance company and an organization that would 
let you believe it can cover most claims from its own coffers.  Strikes
like the phrase, "I'm from the government, I'm here to help you."
       When I have a choice between total coverage from a real 
insurance company and partial coverage from a wannabe insurance company
there really is no choice.  Again, where is the guarantee that they are
at least as good, solvent, capable and willing to pay as the real 
insurance companies out there?
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