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

[Anonymous]

She should pay the deductible, what is wrong with you????

[Anonymous]

Anonymous wrote:

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.

I am not trolling, the official statement to insurance is that we let her use the car with permission. However she used the car after work without telling us to see her friend and got in an accident. That is probably why she feels obligated to pay for the damages the question is what should she pay for? We've already helped her by telling insurance that she had our permission.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

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.

I am not trolling, the official statement to insurance is that we let her use the car with permission. However she used the car after work without telling us to see her friend and got in an accident. That is probably why she feels obligated to pay for the damages the question is what should she pay for? We've already helped her by telling insurance that she had our permission.

The answer is clear: she pays for nothing.

[Anonymous]

OP you need to make sure you are not committing insurance fraud

[Anonymous]

Anonymous wrote: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)?

DP. I read that she was a live-in since she has no living expenses and saves her entire paycheck. OP did not say she used the car to commute to the job. Is she a live-in, OP?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

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.

I am not trolling, the official statement to insurance is that we let her use the car with permission. However she used the car after work without telling us to see her friend and got in an accident. That is probably why she feels obligated to pay for the damages the question is what should she pay for? We've already helped her by telling insurance that she had our permission.

Why would you even think of charging her? Look in college I had jobs I drive someone else’s car. I went to Burger King on way back. If I had accident boss has choice of firing me or not. Why would I pay for vehicle?

And is she at fault or not? Also does car run?

Also how did you decide cost to fix.

[Anonymous]

Anonymous wrote:OP you need to make sure you are not committing insurance fraud

Insurance fraud????? She had permission to drive the car or she didn’t. If she didn’t it was criminal unauthorized use and UIM should pick it up. And then the nanny gets prosecuted. I think OP is a troll. Or a nanny feeling out how to cover their behind.

[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.

She was going to quickly stop by where? The friends house?

[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.

She was going to quickly stop by where? The friends house?

Yes after work but she wasn't supposed to use the car for other than work purposes on paper we lent it to her.

[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 can’t afford her own car?

[Anonymous]

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?

I would expect nothing because loaning the car out is all on me. The law agrees as well.

This is not a matter of law but what is fair, pp, so you can stop using that argument.

[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.

Whatever insurance doesn't pay. $13,000 of damages why isn't it totaled?

[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.

She was going to quickly stop by where? The friends house?

Yes after work but she wasn't supposed to use the car for other than work purposes on paper we lent it to her.

That doesn't matter, OP. Permission is implied by you allowing her to use your car that day. She didn't steal the keys, right?

[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.

She was going to quickly stop by where? The friends house?

Yes after work but she wasn't supposed to use the car for other than work purposes on paper we lent it to her.

But you said you lent it to her to visit a friend. So what is in the contract wouldn’t matter. She had your permission.

[Anonymous]

Anonymous wrote:

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.

Whatever insurance doesn't pay. $13,000 of damages why isn't it totaled?

Car is 50k