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:

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.

Let's back up, insurance is saying it was with permission, but she knows she didn't have permission as she used the car after work to do non work things. She doesn't want a car of her own and relies on friends to drive her.

[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?

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.

THIS.

[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.

You are horrible. I hope she quits.

[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?

These are poor analogies. If my work provided me a car and I got in an accident I would not offer to compensate my employer. I’d expect them to have appropriate coverage.

I’d also never drive anyone else’s personal car unless it was some kind of emergency like they were in labor or something crazy.

[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.

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.

Let's back up, insurance is saying it was with permission, but she knows she didn't have permission as she used the car after work to do non work things. She doesn't want a car of her own and relies on friends to drive her.

Let’s back up?
The very first line in OP’s post is they lent the car to the nanny to visit a friend.

[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.

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.

Let's back up, insurance is saying it was with permission, but she knows she didn't have permission as she used the car after work to do non work things. She doesn't want a car of her own and relies on friends to drive her.

Stop nit-picking, OP. You allowed the nanny to take your car from your house and drive it around that day. That is permission to use the vehicle, despite what your work agreement says.

[Anonymous]

Anonymous wrote:

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.

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.

Let's back up, insurance is saying it was with permission, but she knows she didn't have permission as she used the car after work to do non work things. She doesn't want a car of her own and relies on friends to drive her.

Let’s back up?

OP is changing her story since she is not getting the responses she wanted. 🙄
The very first line in OP’s post is they lent the car to the nanny to visit a friend.

[Anonymous]

You just cover it all, OP. I wouldn't even charge for the deductable. It's the cost of having a home employee. Shit happens.

[Anonymous]

Let your insurance pay for the damage and YOU cover the deductible. The nanny will be a nervous wreck driving your kids around with your attitude. Accidents happen and she wasn’t at fault. Did you AT LEAST ask if she was hurt?

[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.

OP, you are really tying yourself in knots to justify sticking your nanny with the bill, but we are telling you that this is not on. Charge her if you must, you seem determined to do so, but this is not the behavior of a nice person. We are judging you.

The PP peanut gallery will pay the deductible and insurance premium cost! OP, your nanny has integrity offering to pay the difference. In your shoes, I would take up friend's offer on out of pocket costs and be thankful they are a good person. Even relatives won't do this if they damaged your property.

[Anonymous]

Anonymous wrote:

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?

I don't think this is typically attempted. If the repairs are made properly and in good faith (and with the lessor being in the loop) they will probably not make such a claim at lease end. More likely (but still unlikely, I think) is they make a claim for DV along with the repairs at the time of the incident.

Whatever happens, you are getting rid of the vehicle at 36 or 48 mos. Whether someone (an ins co) has paid a DV claim or not is irrelevant. You are out of the damaged car and aren't left trying to trade a car with little value that you paaid a lot of money for.

[Anonymous]

OP, your first post indicates you gave her permission to see a friend. None of this nonsense about you what, lying to insurance to protect nanny and now trying to figure out how much she should pay you for that protection?

Who are you?? This behavior is gross.

[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?

A friend is different. You don't rely on them to care for your family for low pay.

I'd split deductible with her and call it a day. Lesson learned for sure though

[Anonymous]

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

How would it possibly be insurance fraud? OP's insurance is paying for the damage caused by OP's car regardless of whether the nanny had permission to drive it.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

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.

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.

Let's back up, insurance is saying it was with permission, but she knows she didn't have permission as she used the car after work to do non work things. She doesn't want a car of her own and relies on friends to drive her.

Let’s back up?

OP is changing her story since she is not getting the responses she wanted. 🙄
The very first line in OP’s post is they lent the car to the nanny to visit a friend.

Or she’s a troll…