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PQ, I have to disagree with you on your thought of the employer not being held liable for this if I read your post correctly. I think the dealer should be held responsible for his employee's actions. I am a small business owner also.I own a hotel and I will promise you that if one of my cleaning girls would come back after hours with a pass key and go into one of my customers rooms and steal something or destroy something that belong's to one of my guest I would be held responsible for her actions. The first thing my insurance company would ask me is how did she have a key to get into the room? It is my responsibilty to collect all of the pass keys and secure them each day after the work day is complete. If I do not do this it is my ass on the line. Now I am sure I could press charges on my housekeeper but it still falls back on me not collecting all of the keys. With that said I believe the dealer did not secure the owner's car keys and should be held liable and therefore make every effort to satisfy the owner of the car that was totaled.
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