Anonymous
Post 01/31/2023 16:20     Subject: Nanny got in car accident
Anonymous wrote:If she was at fault she is liable for the deductible and it will raise your rates at renewal, especially if she is under 25. You may want to negotiate her raise based on driving and insurance rates as this is part of her work responsibility. Don't make it personal be factual about the insurance deductible, rates and that insurance is deaming her at fault not you.


Life happens! The accident while in your employ chauffeuring your children. A part of her job. If you want to keep her, you chalk it up to experience and do not nickel and dime her or deduct from COL increase, bonus. Or anything else.

Deeming not deaming!
Anonymous
Post 01/31/2023 11:36     Subject: Nanny got in car accident
Anonymous wrote:Yes, you're responsible. She's your employee on your insurance.
wrong, insurance and the police will determine who is responsible and at fault
Anonymous
Post 01/31/2023 10:13     Subject: Nanny got in car accident
Anonymous wrote:
Anonymous wrote:This is the cost of business. Yes, you're responsible. Tell her going forward, to leave more space between her and the car in front of her, so if a car stops short she has more space to stop without hitting them.


Stop assuming that she was following too closely. The car in front came to abrupt stop and rear ending can easily happen.


that's pretty much the definition of following too closely. Hence the 3 second rule, which nobody seems to follow.
Anonymous
Post 01/31/2023 10:07     Subject: Nanny got in car accident
Yes, you're responsible. She's your employee on your insurance.
Anonymous
Post 01/31/2023 10:07     Subject: Nanny got in car accident
Anonymous wrote:
Anonymous wrote:OP here. Supposedly what happened is that my nanny was stopped at a corner to turn right at a green light. There was a car in front of her that was also turning right and had already started to turn and then slammed on its breaks very suddenly right after turning because some high school kids (they were near a school) ran out into the street to cross. My nanny said it happened so fast that she plowed into the car in front of her. There happened to be a police car down the street so it came over to file a report. Supposedly these kids running like crazy have caused a few accidents.

In daylight the damage to the car seems much more extensive - something was leaking overnight the front bumper fell down on one side and the two front car doors are very hard to open.


Sounds like she didn't brake at all! How could the other car not be damaged? Have they not contacted you?


Ok, so this doesn't sound like a fender bender, so either you or the nanny are exaggerating. Who else would be responsible if not you? Do you really think your nanny can afford the deductible?
Anonymous
Post 01/31/2023 10:06     Subject: Nanny got in car accident
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:OP here. Supposedly what happened is that my nanny was stopped at a corner to turn right at a green light. There was a car in front of her that was also turning right and had already started to turn and then slammed on its breaks very suddenly right after turning because some high school kids (they were near a school) ran out into the street to cross. My nanny said it happened so fast that she plowed into the car in front of her. There happened to be a police car down the street so it came over to file a report. Supposedly these kids running like crazy have caused a few accidents.

In daylight the damage to the car seems much more extensive - something was leaking overnight the front bumper fell down on one side and the two front car doors are very hard to open.


Sounds like she didn't brake at all! How could the other car not be damaged? Have they not contacted you?


I also don’t understand how she could have been going that fast to cause that much damage? Typically if I’m turning, I’m at a slower speed than if driving straight.


I just got rear ended by someone only going about 15 mph. My car has $6k worth of damage.
Anonymous
Post 01/31/2023 10:03     Subject: Nanny got in car accident
Anonymous wrote:
Anonymous wrote:OP here. Supposedly what happened is that my nanny was stopped at a corner to turn right at a green light. There was a car in front of her that was also turning right and had already started to turn and then slammed on its breaks very suddenly right after turning because some high school kids (they were near a school) ran out into the street to cross. My nanny said it happened so fast that she plowed into the car in front of her. There happened to be a police car down the street so it came over to file a report. Supposedly these kids running like crazy have caused a few accidents.

In daylight the damage to the car seems much more extensive - something was leaking overnight the front bumper fell down on one side and the two front car doors are very hard to open.


Sounds like she didn't brake at all! How could the other car not be damaged? Have they not contacted you?


I also don’t understand how she could have been going that fast to cause that much damage? Typically if I’m turning, I’m at a slower speed than if driving straight.
Anonymous
Post 01/31/2023 10:00     Subject: Nanny got in car accident
Anonymous wrote:OP here. Supposedly what happened is that my nanny was stopped at a corner to turn right at a green light. There was a car in front of her that was also turning right and had already started to turn and then slammed on its breaks very suddenly right after turning because some high school kids (they were near a school) ran out into the street to cross. My nanny said it happened so fast that she plowed into the car in front of her. There happened to be a police car down the street so it came over to file a report. Supposedly these kids running like crazy have caused a few accidents.

In daylight the damage to the car seems much more extensive - something was leaking overnight the front bumper fell down on one side and the two front car doors are very hard to open.


This happened to our nanny and the damage to our car was 9k without leaking fluids, furthermore the person that was hit is going to file a claim because they are in the right.

Did she get cited by the police? that's a double whammy on top of insurance finding her at fault.
Anonymous
Post 01/31/2023 09:58     Subject: Nanny got in car accident
If she was at fault she is liable for the deductible and it will raise your rates at renewal, especially if she is under 25. You may want to negotiate her raise based on driving and insurance rates as this is part of her work responsibility. Don't make it personal be factual about the insurance deductible, rates and that insurance is deaming her at fault not you.
Anonymous
Post 01/31/2023 09:56     Subject: Nanny got in car accident
Anonymous wrote:OP here. Supposedly what happened is that my nanny was stopped at a corner to turn right at a green light. There was a car in front of her that was also turning right and had already started to turn and then slammed on its breaks very suddenly right after turning because some high school kids (they were near a school) ran out into the street to cross. My nanny said it happened so fast that she plowed into the car in front of her. There happened to be a police car down the street so it came over to file a report. Supposedly these kids running like crazy have caused a few accidents.

In daylight the damage to the car seems much more extensive - something was leaking overnight the front bumper fell down on one side and the two front car doors are very hard to open.


Sounds like she didn't brake at all! How could the other car not be damaged? Have they not contacted you?
Anonymous
Post 01/31/2023 09:55     Subject: Nanny got in car accident
She needs to be super careful and always be looking at her surroudings. Bottom line is they were turning and she was too close and hit the car. That's how insurance will see it. You are responsible for both cars. Also, be thankful a kid wasn't hit.
Anonymous
Post 01/31/2023 09:52     Subject: Nanny got in car accident
OP here. Supposedly what happened is that my nanny was stopped at a corner to turn right at a green light. There was a car in front of her that was also turning right and had already started to turn and then slammed on its breaks very suddenly right after turning because some high school kids (they were near a school) ran out into the street to cross. My nanny said it happened so fast that she plowed into the car in front of her. There happened to be a police car down the street so it came over to file a report. Supposedly these kids running like crazy have caused a few accidents.

In daylight the damage to the car seems much more extensive - something was leaking overnight the front bumper fell down on one side and the two front car doors are very hard to open.
Anonymous
Post 01/31/2023 04:08     Subject: Nanny got in car accident
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:This is the cost of business. Yes, you're responsible. Tell her going forward, to leave more space between her and the car in front of her, so if a car stops short she has more space to stop without hitting them.


Stop assuming that she was following too closely. The car in front came to abrupt stop and rear ending can easily happen.


That means she was too close.


Three second rule. There should be a full three second interval between the time the car in front of you passes a fixed point and the time you do. This means that the faster you are going, the more space there should be between cars. If conditions are bad, increase the gap.
Anonymous
Post 01/31/2023 03:44     Subject: Nanny got in car accident
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:This is the cost of business. Yes, you're responsible. Tell her going forward, to leave more space between her and the car in front of her, so if a car stops short she has more space to stop without hitting them.


Stop assuming that she was following too closely. The car in front came to abrupt stop and rear ending can easily happen.


That means she was too close.


You’ve never been cut off and then had them slam on their brakes because they’re then too close?


You'd have to assume the car both changed lanes then slammed on the brakes. That isn't what OP described.

I'll also start braking as soon as someone starts cutting me off to give them space. You have to drive defensively.
Anonymous
Post 01/31/2023 01:13     Subject: Nanny got in car accident
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:This is the cost of business. Yes, you're responsible. Tell her going forward, to leave more space between her and the car in front of her, so if a car stops short she has more space to stop without hitting them.


Stop assuming that she was following too closely. The car in front came to abrupt stop and rear ending can easily happen.


That means she was too close.


You’ve never been cut off and then had them slam on their brakes because they’re then too close?