Defendant GEICO's insured suffered the theft of a black, 1986 Chevrolet station wagon in 1990. GEICO paid the claim and thereby acquired title to the missing vehicle. It next surfaced in 1993, in the possession of a scofflaw who forfeited the vehicle for sheriff's sale. (What the sheriff apparently failed to notice was that the vehicle now bore an altered VIN.) Plaintiff Ramon Morel purchased the vehicle at public auction in 1994, and registered and insured it under the altered...
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