AMA Auto Insurance Reviews

My daughter borrowed my vehicle and backed into another vehicle, it was a minor accident. After all the paperwork was completed I paid $1400.00 out of pocket to guarantee my insurance would be "claim free" as directed by AMA. I have recently moved to British Columbia and required a claims history letter to qualify for a discount. I received m requested letter via e-mail, Much to my surprise, I have a $144 claim against my account due to a rental car which was required by the victim. I was never presented with a chance to pay the rental bill, and many opportunities were presented to AMA to notify me regarding this claim, as I had vehicle insurance as well as being an AMA Premier member. No notification.....nothing!!!! I called AMA and offered to pay the $144 and requested a new letter with no claims associated, they said that it has been too long as date of loss was 22/11/2011. I feel like a complete idiot for paying the $1400.00 as ICBC told me $144 claim is the same as a $144,000,000 claim. So I lose 4 years safe driving discount at 5% per year! Never, ever, again!