Lent car to nanny and she got in an accident off duty, $13k of damage what should she pay?

[Anonymous]

We lent our car to our nanny to visit a friend, and she got in an accident, rear-ending another car that was part of a separate big crash on 66. She wasn't able to brake in time. The police report states the car she hit was cited for improper following but she was not. She's wants to pay the deductible and whatever value was lost on the car. Our car has 13k of damage, and I am sure will be a diminished value on the carfax, and our insurance will go up. What other than the deductible should she pay? How can we calculate the dimished value resulting from the accident? The car is a luxury sedan and about 1 year old.

[Anonymous]

Feels like the cost of having a nanny, sorry to say, OP.

You learned not to let a nanny borrow your car outside of necessary work duties.

[Anonymous]

Anonymous wrote:Feels like the cost of having a nanny, sorry to say, OP.

You learned not to let a nanny borrow your car outside of necessary work duties.

That's absurd. Would you say that's the cost of having a friend if you lent one your car and they had an accident?

[Anonymous]

This is why I don’t lend my cars to people. It’s on your insurance and now your car is worth less than I should be. If someone was seriously injured, they could also sue you for a lot of money. Make her pay the deductible and that’s it. It’s the cost of loaning someone your car.

[Anonymous]

Anonymous wrote:This is why I don’t lend my cars to people. It’s on your insurance and now your car is worth less than I should be. If someone was seriously injured, they could also sue you for a lot of money. Make her pay the deductible and that’s it. It’s the cost of loaning someone your car.

+1

[Anonymous]

I have no idea. I'd be okay with her just paying the deductible. I feel like this is a risk you take when you lend your car to someone. I have never in my life lent my car to anyone for this exact reason.

[Anonymous]

Sorry, its on you. I don't even think you should pursue the deductible.

Two lessons here:

1. Letting people not on your policy drive your car is a risk. If she IS on your policy then you truly have no leg to stand on.

2. Buying, rather than leasing, luxury vehicles is foolish. If this were a lease, it'd be the leasing companies own a diminished value car, not you.

[Anonymous]

Anonymous wrote:Sorry, its on you. I don't even think you should pursue the deductible.

Two lessons here:

1. Letting people not on your policy drive your car is a risk. If she IS on your policy then you truly have no leg to stand on.

2. Buying, rather than leasing, luxury vehicles is foolish. If this were a lease, it'd be the leasing companies own a diminished value car, not you.

At the end of the lease the company would hit you with a diminished value from the accident why is this any different with a paid for car?

[Anonymous]

Anonymous wrote:This is why I don’t lend my cars to people. It’s on your insurance and now your car is worth less than I should be. If someone was seriously injured, they could also sue you for a lot of money. Make her pay the deductible and that’s it. It’s the cost of loaning someone your car.

This.

[Anonymous]

Anonymous wrote:We lent our car to our nanny to visit a friend, and she got in an accident, rear-ending another car that was part of a separate big crash on 66. She wasn't able to brake in time. The police report states the car she hit was cited for improper following but she was not. She's wants to pay the deductible and whatever value was lost on the car. Our car has 13k of damage, and I am sure will be a diminished value on the carfax, and our insurance will go up. What other than the deductible should she pay? How can we calculate the dimished value resulting from the accident? The car is a luxury sedan and about 1 year old.

She should ONLY pay the deductible. Period. You took a risk lending her the car, she doesn't owe you more than that.

[Anonymous]

I talked to the insurance company and there is something called a diminished value claim, so I guess we'll do that and whatever out of pocket well have the nanny pay. She was about to fork over 10k to us but we didn't feel comfortable with that, in fact she had a check and cash in an envelope

[Anonymous]

I thought a Diminished Value Claim could only be leveled against the at fault driver, and she IS the at fault driver - so how can you level the claim against your own insurance? Maybe I'm missing something.

Anyway. Deductible only. The end.

[Anonymous]

You should hope you dont get sued. That’s the risk you take any time someone drives your car. Hope you have an umbrella policy.

[Anonymous]

Anonymous wrote:I thought a Diminished Value Claim could only be leveled against the at fault driver, and she IS the at fault driver - so how can you level the claim against your own insurance? Maybe I'm missing something.

Anyway. Deductible only. The end.

She isn't the at fault driver if you read the OP.

[Anonymous]

She’s the nanny and you own a luxury car. She pays nothing. You learn from this and don’t lend your car again.