and it dies or is injured or is taken away while no one is looking,
that the neighbor did not lay hands on the other person's property.
The owner is to accept this, and no restitution is required.
But if the animal was stolen from the neighbor,
he must make restitution to the owner.
If it was torn to pieces by a wild animal,
he shall bring in the remains as evidence
and he will not be required to pay for the torn animal.
If a man borrows an animal from his neighbor
and it is injured or dies while the owner is not present,
he must make restitution.
But if the owner is with the animal,
the borrower will not have to pay.
If the animal was hired, the money paid for the hire covers the loss.
Exodus 22:10-15 (NIV)