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Home Indemnity, an insurance company, paid one of its insureds after the theft of his car. The car reappeared in another state and was sold to Michael Schrier for $8,300 by a used car dealer.

The dealer promised to give Mr. Schrier a certificate of title. One month later, the car was seized by the police on behalf of Home Indemnity. Explain who is entitled to possession of the car.

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