Article 1882 of the French Civil Code

If the thing lent perishes by a fortuitous event which the borrower could have secured by using his own, or if, being able to keep only one of the two, he preferred his own, he is liable for the loss of the other.

Original in French 🇫🇷

Article 1882

Si la chose prêtée périt par cas fortuit dont l’emprunteur aurait pu la garantir en employant la sienne propre, ou si, ne pouvant conserver que l’une des deux, il a préféré la sienne, il est tenu de la perte de l’autre.