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To close a deal after taxes and fees, it will take at least 59 (say 60k) on a used one listed at 53k that fits the description approximately. About 16k under what the insurance offered (and still about 11-12k from the total after dealer contributions). There's no reason the owner should have to pay anything to replace the car wrecked while in the dealers care. Not one dime. The dealer should make full restitution.
Exodus 22: 10-12 if you want to bring the law into it! And no its not a sin not to and no none of these guys are under the law. It's still the right thing to do though in this instance.
And whatever they decide to do, they would do well to have forgiveness towards those who've offended them. Holding onto to bitterness and anger will destroy you.
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