IBut then again, I would never lend my iPhone to ANYONE if I had one. I don't understand why anyone would need a lend of one anyway.
I was driving my mother and a child she takes care of on an errand the other day. When the little girl realized what I was holding, her eyes got wide and she said "Is that an iPhone?!?" As I passed it back to her to check out, mother mother murmurred, "Be caaaarrreful...". I let her play with it for a minute and then held my hand out and got it back. that's about the extent to which I'd "lend" my iPhone to someone without additonal comment. Controlled environment. Time-limit. Line of sight.
If anyone I knew had the audacity to ask for an extended usage of the phone where they could take it out of my presence, provided I agreed and trusted them, they would not get it without my saying,
"As long as you take responsibility for it, ok?" (and replied in the affirmative.) I'm not sure why this sounds so strange to folks.
Accident or not, the only acceptable outcome for the OP is for his coworker to replace the iphone. When something is borrowed, the borrower takes full responsibility for the borrowed item, anything less is ridiculous.
Honestly, if I was asked for it, and I simply smiled and said "Ok, here you go!" and handed it over, I'd have to be a somewhat different person to expect full compensation if they told me they or someone else we both knew were involved in damaging it, or that someone accidentally pushed them or something else. You can be as principled and hard-assed as you like, but meanwhile in the real-world, you have to deal with the curve-balls.
- "I didn't expect it to be so slippery, you should have told me."
- "Actually, it was Dave who dropped it, it wasn't my fault."
- "Seriously, dude... If I had the money pay for one, I'd have got one myself."
It's a simple sentence, once said, clears everything up from the start.
"As long as you take responsibility for it, ok?" Combined with my own good judgement on character, that's the only thing that would make me feel I should expect full compensation from the person that I lent the device to. In the real-world, some people simply don't automatically understand that they're taking responsibility for replacing something in case of a freak accident they didn't expect... unless you remind them beforehand. Trust me, it'll save you a lot of grief later.
My mother also takes in college students during the semester. Once, one of her tenants asked if she could get a break on the rent, because she wouldn't actually BE around for 2 weeks, while she visited some family. My mother felt insulted that she would ask her this. I asked her if it was in her rental agreement, and she said "no". While my mother still said "No", she had to deal with the result of clearly not specifying this ahead of time in her agreement.
It's ok to have higher principles for how you treat people. It may even be proper etiquette to also take full liability for anything you borrow by default. I just don't think adults should go around expecting these things without speaking up and stating it out loud to make sure everyone is on the same page. And remember, I'm saying this as a past "victim" of people breaking my stuff, and NOT as a perpetrator trying to get people to expect less of me.
~ CB