A more thorough explanation:

Definition: Ex commodato is a Latin term that means "out of loan." In legal terms, it refers to a right of action that arises from a loan.

Example: If someone borrows a car from a friend and gets into an accident, the friend may have a right of action against the borrower for damages. This right of action is ex commodato, as it arises from the loan of the car.

Explanation: The example illustrates how a right of action can arise from a loan. In this case, the friend who loaned the car has a legal claim against the borrower for damages caused while the car was in their possession. This claim is ex commodato because it arises from the loan of the car.