The OP had identified an instance of a NEGLIGENT DISCHARGE and didn't say who Whitlock was directly responsible. Although, he is directly responsible for allowing an incompetent person use his rented property, which caused property damage and near injury or death. Often I hear talk about accidental discharges (ADs). When I hear the circumstances behind so-called "ADs," I often question if they are not a negligent-or NDs. I believe the term AD is largely, inappropriately used. Bottom line, most "accidental