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

[Anonymous]

So, she has some serious cash laying around but didn't think of renting a used Japanese car or catching an Uber.
I didn't even give my old Japanese car to my half sister to go to vacation in Europe where most people don't sue one another. I gave her cash to rent a car.
I cannot believe you gave her such a car. You must have a lot of money, so why not pay for it yourself.
I have never had an accident but I would not have dared to ask my boss for a luxury car.

[Anonymous]

Anonymous wrote:So, she has some serious cash laying around but didn't think of renting a used Japanese car or catching an Uber.
I didn't even give my old Japanese car to my half sister to go to vacation in Europe where most people don't sue one another. I gave her cash to rent a car.
I cannot believe you gave her such a car. You must have a lot of money, so why not pay for it yourself.
I have never had an accident but I would not have dared to ask my boss for a luxury car.

This was not a luxury car. Poster said it cost 50k new which is average price of a new car.

[Anonymous]

$13K

[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.

Apparently it was not the nanny’s fault. You pay.

[Anonymous]

Nanny pays nothing. Accidents happen. You sound cheap.

[Anonymous]

Anonymous wrote:

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.

She said she lied to the insurer, that is why.

[Anonymous]

Anonymous wrote:

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.

It is completely different, but in the exact opposite way you think it is.

[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.

+1

[Anonymous]

“We lent our car to our nanny to visit a friend..l”

First sentence of the OP.

End of thread.

[Anonymous]

Anonymous wrote: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

Why are you telling us she was ready to pay you $10k? To back up your thought thst you should make her pay beyond the deductible? Just stop. You had insurance. That's what it's for. You have learned a lesson. Deductible the end.

[Anonymous]

Anonymous wrote:

Anonymous wrote:So, she has some serious cash laying around but didn't think of renting a used Japanese car or catching an Uber.
I didn't even give my old Japanese car to my half sister to go to vacation in Europe where most people don't sue one another. I gave her cash to rent a car.
I cannot believe you gave her such a car. You must have a lot of money, so why not pay for it yourself.
I have never had an accident but I would not have dared to ask my boss for a luxury car.

This was not a luxury car. Poster said it cost 50k new which is average price of a new car.

Jesus, read the OP. She said "luxury sedan". And yeah, $50K is a luxury car. Average car prices are driven up by the suburban/exurban dudes who buy giant trucks.

[Anonymous]

Anonymous wrote: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.

+1 except when I was in college and young and stupid.