(1) The sender is to compensate, even if the sender is not at fault, the carrier for damage and expenditures caused by
1. insufficient packaging or labelling,
2. incorrect or incomplete particulars provided in the consignment note,
3. failure to disclose the dangerous nature of the goods, or
4. absence, incompleteness or incorrectness of the instruments or the information specified in section 413 (1).
(2) If conduct on the part of the carrier has contributed to causing the damage or expenditures, the obligation to pay compensation and the extent of the compensation payable will depend upon the extent to which the conduct of the carrier has contributed to the damage and expenditures.
(3) If the sender is a consumer, the sender is to compensate the carrier for damage and expenditures in accordance with subsections (1) and (2) only insofar as the sender has acted culpably.