If you break something, you're responsible for its repair or replacement; that's really just common sense. Hopefully, you have insurance for such things that would cover you if someone needed you to repair or replace it. This responsibility understandably extends to your dependents, pets, and anything else you should have a responsibility and control over—whether or not you take that responsibility seriously. Still, there are situations where the claimant might end up dealing with a claimant wh…