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A friend's son (who owns a car himself) borrowed my fren's roadster and LENT it to his (son's) friend. (Unlikely for emergency eg hospital trip etc, but more likely for leisures....) When the car was returned to my friend, he's got a shock!!! ............... the car has been submerged in flood water (son / his friend claimed car was left in carpark which was later flooded). Now my fren LL has to send the car to workshop for a thorough check and leave it there few days to dry up the interior / carpets / seats. If you were the borrower, will you say "Bo wa eh daiji, its act of god... sorry, bye bye"?? or you offer to share the repair costs either 50/50 or whatever, or offer to pay all since the car is used by you at the time of the flood? If you were the lender, do you just LL pay up for everything? or insist 50/50 shared costs, or take whatever action/inaction the lender offers? For me, i will hope for 50/50 as the lender, but if the lender acts blur, just tell the son he doesnt need such friend.... and move on. If I were the borrower, I will offer 50/50 or a bit more, after all, its due to my use of the car that it kena flooded. (I know I wont buy my fren's car if he sells it later.... flooded car = No, No) What's your take?