Mrs. RQSR had a 91 SAAB 9000 SPG once upon a time many moons ago. Had it in a shop for a tune up over in Highland. Young fellow working at the shop took the car for a joy ride to San Bernardino College, was apparently showing off to the ladies walking down the sidewalk to classes, and ran that sucker into the back of a Mercedes Benz. The car was a Total loss. Was a real heartbreaker. It was not a car one replaced easily, and we never did. Insurance never seems to cover the entire loss.
My insurance might not cover the entire loss, but I would have been sure that the repair shop's insurance did.
Or, they would have be explaining to the local police about unauthorized use of a motor vehicle.