Banky team Reviewed editorial answerMisuse is a significant operational responsibility because you are a lessee and you use the asset.
Expenses resulting from your use or misconduct are not the same as expenses related to ownership of the asset itself.
Read the contract and the insurance policy to understand the limits of your liability.
The figures, fees and limits in this answer vary by bank and change over time — confirm them with your bank or the official source before acting.