#27635
scotlandx
Strataguru

    It is wonderful that the Owners like the tenant so much they want to pay for damage caused by the tenant, the tenant must be an amazing person.  Perhaps they could set up a crowdfunding page.

    As a general principle if you cause damage you are liable for it.  You can insure yourself for the financial liability of certain kinds of damage, that is one of the things that is covered by your vehicle insurance.

    The concept of moral hazard is worth thinking about – where another party bears the cost of certain risks, the other party is likely to take more risks, because there are no consequences for that party.  

    The matter is one between the tenant who caused the damage and the insurance company, the OC has nothing to do with it.