Exodus 22:15
If the owner was present, no restitution is required. If the animal was rented, the fee covers the loss.
Cross References
Exodus 22:14
If a man borrows an animal from his neighbor and it is injured or dies while its owner is not present, he must make full restitution.

Exodus 22:16
If a man seduces a virgin who is not pledged in marriage and sleeps with her, he must pay the full dowry for her to be his wife.


Treasury of Scripture
But if the owner thereof be with it, he shall not make it good: if it be an hired thing, it came for his hire.

it came for his hire



Zechariah 8:10
For before these days there was no hire for man, nor any hire for beast; neither was there any peace to him that went out or came in because of the affliction: for I set all men every one against his neighbour.


                                                                                                                                                                                                                                                           
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Exodus 22:14
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