I too learned that the best way to get your problem solved with Amazon is to resort to threats. It took ages to get my account closed -- I was sent by 5 different chat agents to the same "click here and send an email to confirm" page -- until I threatened to complain to the California Attorney General under CCPA. Then suddenly the agent had all the power in the world to close my account.

Did your neighbor call the insurance commissioner and attorney general to tell them that they were operating a non-registered insurance company in Massachusetts?

No. He contacted the local news, who did nothing, and then had his second kid and life got in the way.

Amazon sold us a defective and/or counterfeit refrigerator water filter that leaked and damaged our hardwood floors. Homeowners insurance gave us an estimate of $5300 in damage. I sent a demand letter to Amazon legal dept. detailing the claim and threatening a lawsuit. They wrote us a check in about two months from mailing said letter.

This is not legal advice and YMMV.

I had an experience like this with them recently too--In order to save $15, I bought a part for my Whirlpool washer on Amazon. It was the in-flow controller which the water hoses hook in to. I ordered it from "Sold and Fulfilled by Amazon" which used to be my mark of a decent product (or at least I know I'll be able to get a refund if it has issues directly from Amazon). It arrived in unbranded cardboard, but the plastic wrapper did have "Maytag" stamping. Unfortunately my washer refused to recognize it despite it being extremely basic in design (a couple servos and a tiny switching board connected to some plastic tubes for water inlets). I requested a refund from Amazon which happened with in hours and went down to a local appliance repair place and paid the extra $15 for another.

The one from the local shop was not wrapped in plastic, but it was in Maytag branded cardboard with part-number and SKU. Took it home and compared it to the Amazon part which I hadn't yet boxed up and the Amazon part was visibly of lower quality plastic (edges were poor, you could see where welds had been done at the corners) and the circuit board with the switching components was completely different despite having the same molex-type connector. BOTH units had the same part-number molded in to the plastic in the same spot, yet the actual Maytag version I got locally worked instantly the first time.

Does that Amazon owned insurance company have any clients other than Amazon? If it only serves Amazon, it might not count as an insurance company for purposes of regulation.