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

[Anonymous]

Anonymous wrote:

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.

That's not how I read OP at all. She rear-ended someone, which means she's at fault. Where did it say someone else was at fault? I saw that the other person was cited for failure to allow proper distance or whatever, but ... don't see how that affects the nanny being at fault for her part. I could be wrong.

[Anonymous]

I would ask her to cover the deductible but not diminution in value. Otherwise, are you going to reimburse her some amount of that diminution if you subsequently get into an accident that would have caused it’s own diminution? Eg (and don’t nitpick numbers, this is just an high-level illustration). If your car previously was worth $40k and post-accident is worth $35k, and then in six months you get into an accident that would have taken the car’s value to $36k on its own but with two accidents takes it down to $32k, will you reimburse her the $1k that otherwise essentially becomes a windfall to you?

[Anonymous]

I would have her pay the deductible and then also the increase in premium for next year. So if your insurance went from $250 to $400, she'd pay $150.

I have a high deductible, so nanny would be hard pressed to pay it. I don't loan anyone other than our parents (who are in their 60s, not 90s) our car

[Anonymous]

You want to charge your nanny for the diminished value of your 1 yo luxury sedan? And for whatever amount your insurance may go up?

And now I have to go post a thread in the OT section to ask where I can move that has the lowest percentage population possible of people like OP. Good lord.

Please post an AITA, OP. I'll start you off - YTA.

[Anonymous]

Anonymous wrote:

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?

Yes. Your decision. Your consequences.

[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.

I think this is on you. Quite frankly, given the circumstances(doesn't seem like she was doing any thing crazy) I wouldn't even impose the deductible but that is neither here nor there.

When we had a nanny years ago, we solved this issue by buying a cheaper car for her to use if she needed it during off hours - we got a Toyota Echo with low miles from a diplomat moving back home for a pretty cheap price and that's what she drove. If there was an accident, it wouldn't have impacted us and the cost of the car wasn't that much.

[Anonymous]

Paying the deductible is gracious. Everything else is on you. You don’t even know if your insurance will go up - I got in a similar though less serious accident and my rates didn’t go up at all.

[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 pays nothing.

Basically coming to halt on a highway like that is a freak accident.

In future I would get a nice used Honda civic for the nanny to drive at all times. You can loan to her if she doesn’t own a car; I want my nanny to be rested and not spending all her time on buses and trudging around for basic living. Do you provide her health insurance?

[Anonymous]

How much is deductible? Ours is $1000, which I would imagine would be crushing for a nanny.

[Anonymous]

Why would she pay anything. If she is not at fault you get back deductible.

Also why would insurance rise? She is not in policy?

Diminished value is imaginary. Unless you are selling car immediately why would she pay.

My brand new Cadillac had a huge tear end in 2012. I still own it. Today has no effect on value.

[Anonymous]

She shouldn't pay anything! She is your employee. Whether she was driving on the clock or not, this is 100% on you. Don't lend your car out.

[Anonymous]

Anonymous wrote:

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?

This isn't a friend. It's an employee. Completely different.

[Anonymous]

How can she even afford the deductible? Next time you know. Just rent a car for her with full coverage if she asks to borrow one.

[Anonymous]

Whether a person is “listed on your policy” is irrelevant. Policies cover anyone who operates the vehicle with your permission. If you think you have a “diminished value” claim, negotiate that with your carrier. I don’t know how nanny pay works, but for hourly workers any pay deductions that reduce the rate below minimum wage are problematic. You sound dreadfully self-absorbed and petty and significantly more interested in punishing the nanny for injuring your self-esteem car than in being compensated.

[Anonymous]

Anonymous wrote:You want to charge your nanny for the diminished value of your 1 yo luxury sedan? And for whatever amount your insurance may go up?

And now I have to go post a thread in the OT section to ask where I can move that has the lowest percentage population possible of people like OP. Good lord.

Please post an AITA, OP. I'll start you off - YTA.

If you borrowed your friends car and got in an accident would you just say oops your fault take care of it and not offer anything? If you rented a car and got in an accident would it be the rental company's fault?