Exodus 22:15

If the owner was there, he does not have to pay. If the animal was rented, the rent money pays for the loss.

Exodus 22:15, Readable English Bible (READ)

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Previous · Exodus 22:14If a man borrows an animal from his neighbor, and it is hurt or dies while the owner is not there, he must pay for it in full. Next · Exodus 22:16If a man talks a virgin into sleeping with him, and she is not promised to anyone in marriage, he must pay the full bride price for her to be his wife.