Question:

If someone borrowed my car and got into a car accident and now my insurance will go up because of this, does he have to pay me for the extra amount now that I have to pay or is that considered an indirect cause of loss and he is patur?
Thank You and Gmar Chasima Tovah

Answer:

Tricky question. I would be inclined to say that it is geromo (indirect damage) where he is potur (bidey adom).

P.S. I just spoke to a Dayan on Rav Nissim Karelitz’s Beis Din who discussed the question with other Dayonim there and they agreed that it is geromo, an indirect cause of loss.

Sources:

Bava Kama 60a, Yam Shel Shlomo Bava Kama 6:6, Meiri Bava Kama 56a,  CH:M 386:3 Ramo, ibid 418:7, Pischey Teshuvah CH:M 28:5,

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