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Big difference between act of God ( lightning) and the dealers negligence in not hiring responsible people. Even if there is no criminal venue, I'd imagine they are civilly responsible. But all that aside, business who don't do the right thing get punished. These guys will lose many times the value of a whole zl1 let alone the delta between insurance settlement and new car values. Because bottom line the people who feel the dealer is correct are in the minority. Maybe numbering as few as the employees of the dealer.
( so fess up - you're from Delaware right?)
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