2025 Session Last amended: 1989 session

§ 336.2A-531 — Standing to Sue Third Parties for Injury to Goods

Plain-Language Summary

This section says that when a third party damages goods identified to a lease contract, the lessor can sue that third party, and the lessee can also sue if the lessee has a security interest, an insurable interest, or bears the risk of loss. If the party suing did not bear the risk of loss and there is no arrangement for splitting any recovery, that party acts as a fiduciary for the other party to the lease beyond its own interest. Either party, with the other's consent, may sue for the benefit of whomever the recovery concerns.

Practical Notes
This statute governs who has standing to sue a third party that injures leased goods. Both the lessor and a qualifying lessee can bring an action, and a party suing while not bearing the risk of loss holds any excess recovery as a fiduciary for the other party to the lease.