Here's the letter and thanks for your ideas about an Amex coverage and contacting the Dept of Trans.
I am not sure if you filed a claim with Amex yet, but here is the web page with the info about the purchase protection.
https://www212.americanexpress.com/...toid=ac0cbc0508bdf210VgnVCM40000037b3ad94RCRD
Until I read this forum discussion, I didn't know you could have the password set to one time, and the slide to unlock set at another time or with the lock button.