I've been an AMA member for about 20 years now, mostly because someone
has to lobby for us, keep an eye on politicians, etc. Along the same lines, I've been a member of the Motorcycle Riders Foundation ( Motorcycle Riders Foundation
) for about a decade now. I don't agree with all the positions these two organizations take, but we need all the help we can get, in terms of looking out for our rights.
When the AMA added its towing -- included when you auto-renew -- I went that route, and dropped the towing add-ons that I had had on my bike and car insurance policies.
I've used the AMA assistance three times now. In 2013, I ran out of gas in TX (only time I've done that, on any bike), and a truck came with gas. In 2014 (I think it was), my wife was out shopping in the winter, and the car battery bit the dust; she got a jump start, and I replaced the battery. Remember that the AMA's assistance applies to all family members, and all vehicles. And last summer, my XCT stalled and wouldn't start; got a flatbed truck to come (and the next day, the dealer that the bike was towed to told me that -- argh! -- it was a loose battery bolt ... which I could've fixed myself).
So I've had okay dealings with them. It's news to me that this doesn't cover accidents -- thanks for that info, @JJKJR
. Not sure what I'll do about that, but it's good to be aware of that limitation. Being retired, I usually have the time to read fine print, but I'm not sure I ever even saw the written policy from the AMA.