I once lent my car to my sister and the car was totalled. The accident wasn't my sister's fault, but that didn't change the fact that I wasn't in the financial position to buy another car.
If you are in a similar position, you might explain to your sister that even a remote risk of losing your transportation is a risk that you cannot take. My two cents.
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Just don't complain when she starts charging you to park it in her garage..
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As a renter, is it really her garage?