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how does having insurance prevent fraud? they can still claim it's broken or whatever, no?

As I was reading this thread I remembered the xbox I ordered had not arrived from Amazon. I checked the tracking and it said "front door". Dang I never got that package (honestly) and I almost crapped my pants. I called Amazon and they are sending an overnight replacement no questions asked and call was over in less then 5 minutes.

Now the funny thing is I DID get one package that day, but it was the Kinect that I ordered separately. I did see the driver take off so I am 100% sure that the XBOX was never left at the door. I tried to explain to the Amazon rep that truly I know for fact that the driver never delivered 2 packages as I saw him climb into his truck. However the agent didnt really even want to hear the facts and instantly offered replacement overnight.

So in this case A-Z did work for me as it should. However they should of at minimum listen to what really happened. Because obviously it never made it off the truck.

you cant file a-z claim against amazon... thats for 3p sellers only.

It protects you because its a felony to file false claims or something like that but its not good for buyer if their lying.

Yes that makes sense... I am just glad Amazon believed me or policy is to believe me. I do shop with them a lot. Last years and this years Christmas was almost entirely Amazon. I love Amazon prime.