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.

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.

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 pay, sorry OP. How is this even a question?

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.

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.

Anonymous wrote:This is why I don’t lend my cars to people. It’s on your insurance and now your car is worth less than I should be. If someone was seriously injured, they could also sue you for a lot of money. Make her pay the deductible and that’s it. It’s the cost of loaning someone your car.

x1000

YOU as the car owner are liable, not the person you loaned the car to.

Even your nanny offering to pay the deductible is generous and not at all required by law. I'd take that as a win, tbh. Learn and move forward.

Anonymous wrote:I would have her pay the deductible and then also the increase in premium for next year. So if your insurance went from $250 to $400, she'd pay $150.

I have a high deductible, so nanny would be hard pressed to pay it. I don't loan anyone other than our parents (who are in their 60s, not 90s) our car

No way! It was OP's decision to lend her car. An accident could happen to anyone. She shouldn't have to pay the premium increase--that's due to OP's poor choice, not her driving.

Anonymous wrote:

Anonymous wrote:This is why I don’t lend my cars to people. It’s on your insurance and now your car is worth less than I should be. If someone was seriously injured, they could also sue you for a lot of money. Make her pay the deductible and that’s it. It’s the cost of loaning someone your car.

+1

+1

Our nanny drives one of our cars to transport our child and is on our policy. If she were to get in an accident, we would cover the deductible. You should let her reimburse you for the out-of-pocket cost of having your car repaired since was not driving your child or otherwise working for you at the time. This is why I only let my nanny borrow our car once for a similar reason and never again.

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?

It does not matter if she’s a nanny or friend or what - you learned an expensive lesson to not loan your car. I’d accept the deductible amount and that’s it. The depreciation is not fair nor is it appropriate to charge her. You could total it a year from now and it’s moot.

If this were a friend that's one thing. This is your employee. You should be thankful there isn't a lawsuit.

I would have my lawyer draft a release that states you will pay all costs associated with the accident and 1) she release you of any claims she has resulting from the accident and that she was not driving on duty when this occurred/ you have no liability as a result of her driving.

That's worth a hell of a lot more than the deductible.

This happened to us. We paid everything.

Anonymous wrote:She’s the nanny and you own a luxury car. She pays nothing. You learn from this and don’t lend your car again.

+1. You’re seriously in here asking about how much you’re going to charge your NANNY for a car accident? Pay for it yourself, cheapskate. No way on earth I’d ask my nanny to pay our deductible. This is why you have insurance. If you wanted no risk of being in this situation you shouldn’t have lent your car.