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

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote: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.

our nanny has no living costs all her money goes to her savings, she actually saved almost the entire 60k we paid her. We told her not to pay us but we are trying to be fair and she was insisting to pay it all as she wanted to not buy a car and borrow ours. We are trying to understand what others do in this situation. Lets remove nanny and say friend, what would you expect?

If she were driving recklessly and at fault, it would be a different matter. She wasn't--the accident wasn't her fault. Just cover it all.

Insurance has stated she was at fault for not paying attention to the road in front of her.

YOU are at fault for lending her your car. Jesus. What a horrid person.

[Anonymous]

Anonymous wrote:OP here I forgot to add an important detail. Our nanny did not tell us she was going to her friend's house after work, she was going to quickly stop by and come home but got in the accident. We obviously could have told insurance she didn't get permission, but then I assume she'd get in a lot of trouble w/ insurance and the police.

Nanny pays nothing. If you want to provide a car for your nanny to drive to and from work or anywhere else then buy a cheap car just for that. You are really being cheap here and you need to let the nanny off the hook.

[Anonymous]

Anonymous wrote:

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?

JFC. That is, maybe, an argument to pay the deductible (And that still an AH move with you're talking about your nanny). But no, I wouldn't offer to pay a friend or rental company the diminished value of a the car, or the increased cost of premiums. Are you freakin' serious?

[Anonymous]

I wouldn’t expect anything, but if she is insistent, I’d let her pay half the deductible and call it good. Accidents happen, she wasn’t the at-fault driver, etc.

[Anonymous]

This is an accident that could have happened to anyone, even you. Since that’s the case, I’d pay it all. If she were at fault, it would be a different story.

[Anonymous]

Anonymous wrote:OP here I forgot to add an important detail. Our nanny did not tell us she was going to her friend's house after work, she was going to quickly stop by and come home but got in the accident. We obviously could have told insurance she didn't get permission, but then I assume she'd get in a lot of trouble w/ insurance and the police.

Um no. She had permission to drive your car. It's not like she stole it. The fact that she was going to a friend's house is irrelevant.

[Anonymous]

I'd be uncomfortable with my nanny using one if our cars off duty for this very reason. Is there a reason she can't use Uber or Lyft for these occasional uses? As a live-in, what does she usually do for transportation?

[Anonymous]

Anonymous wrote:

Anonymous wrote:OP here I forgot to add an important detail. Our nanny did not tell us she was going to her friend's house after work, she was going to quickly stop by and come home but got in the accident. We obviously could have told insurance she didn't get permission, but then I assume she'd get in a lot of trouble w/ insurance and the police.

Um no. She had permission to drive your car. It's not like she stole it. The fact that she was going to a friend's house is irrelevant.

+1. Permission is assumed if you let her drive the car.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:OP here I forgot to add an important detail. Our nanny did not tell us she was going to her friend's house after work, she was going to quickly stop by and come home but got in the accident. We obviously could have told insurance she didn't get permission, but then I assume she'd get in a lot of trouble w/ insurance and the police.

Um no. She had permission to drive your car. It's not like she stole it. The fact that she was going to a friend's house is irrelevant.

+1. Permission is assumed if you let her drive the car.

We never give her permission to use the car except for driving the kids to and from home because it is not on the highway, it's in our agreement.

[Anonymous]

Anonymous wrote:OP here I forgot to add an important detail. Our nanny did not tell us she was going to her friend's house after work, she was going to quickly stop by and come home but got in the accident. We obviously could have told insurance she didn't get permission, but then I assume she'd get in a lot of trouble w/ insurance and the police.

This is confusing - she took the car without asking you?!? But your post said she had your permission?

[Anonymous]

Anonymous wrote:I'd be uncomfortable with my nanny using one if our cars off duty for this very reason. Is there a reason she can't use Uber or Lyft for these occasional uses? As a live-in, what does she usually do for transportation?

She has a boyfriend that drives and also other friends she doesn't want to own a car.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:OP here I forgot to add an important detail. Our nanny did not tell us she was going to her friend's house after work, she was going to quickly stop by and come home but got in the accident. We obviously could have told insurance she didn't get permission, but then I assume she'd get in a lot of trouble w/ insurance and the police.

Um no. She had permission to drive your car. It's not like she stole it. The fact that she was going to a friend's house is irrelevant.

+1. Permission is assumed if you let her drive the car.

We never give her permission to use the car except for driving the kids to and from home because it is not on the highway, it's in our agreement.

That's not what you said before. You are backpedalling here, OP. That is troll behavior.

[Anonymous]

This is what insurance is for, and it's the risk you take if you choose to let someone drive your car.

I would never expect my nanny to have the financial resources to repair my car, pay my deductibles, etc. If I can't eat that, I don't lend her the car.

[Anonymous]

I wouldn’t make her pay anything. It was an accident it’s not like she was being irresponsible. Presumably you have a lot more $ then her, and she spends every day taking care of your kids. I can’t imagine charging someone who watches my kids daily and doesn’t have a lot of extra $ for something like this. When you leant her the car, you took on the risk she could get in an accident.

[Anonymous]

So you only loan her the car to get back and forth to work/your house (other than driving kids around during the day, I mean)?