Nanny in car accident while driving kids in her car

[Anonymous]

But they aren't legally responsible for buying a new car that is more expensive than the one nanny owned. If I wrecked my chunk car and my insurance company decided it was worth 6K...I wouldn't expect my employers to buy me a 20K car. There is a difference.

[Anonymous]

I own an SUV that is worth about 9K right now. If my insurance company says "eh the car is only worth 4K", sure it would be nice to have my employers make up the difference. But they aren't required too.

If they said it was worth 9K, I wouldn't expect my employers to buy me a 15K car. And they certainly aren't obligate to. I would never imagine making my employers lives hell because they won't give me a new car that's more expensive than the one I wrecked.

[Anonymous]

Who said anything about a $20k car? They could HELP to replace it with a similarly valued car. If they made no effort to make things right, yes I would make their lives hell because I would be absolutely livid. Many parents fail to understand the havoc a wronged nanny can wreak. Even when I quit a job under the best and most helpful circumstances the parents are stressed.

[Anonymous]

Anonymous wrote:Who said anything about a $20k car? They could HELP to replace it with a similarly valued car. If they made no effort to make things right, yes I would make their lives hell because I would be absolutely livid. Many parents fail to understand the havoc a wronged nanny can wreak. Even when I quit a job under the best and most helpful circumstances the parents are stressed.

Wow, you could have just refused to use your own car. But we all know personal responsibility doesn't exist anymore.

[Anonymous]

Anonymous wrote:Who said anything about a $20k car? They could HELP to replace it with a similarly valued car. If they made no effort to make things right, yes I would make their lives hell because I would be absolutely livid. Many parents fail to understand the havoc a wronged nanny can wreak. Even when I quit a job under the best and most helpful circumstances the parents are stressed.

If you look at what OP said, it sounds like her insurance company is giving her the amount they believe her car is worth. At one point, I was driving around a car worth about 5K. Pretty hard to buy a worthwhile car if I totaled it and my insurance company only gave me 5K. Now if her nanny plugs in all the stats of her car and it comes back as saying it was worth 10K and the insurance company only paid 5k then maybe I can see your point.

But as someone who has BTDT, it sounds like the nanny was driving around an old beater and her insurance company gave her the money it was worth. Unfortunately it may not have been enough to buy a decent car. That's not ops fault and in no way is OP obligated to give nanny additional money beyond the worth of her old car.

[Anonymous]

Who said anything about a $20k car? They could HELP to replace it with a similarly valued car. If they made no effort to make things right, yes I would make their lives hell because I would be absolutely livid. Many parents fail to understand the havoc a wronged nanny can wreak. Even when I quit a job under the best and most helpful circumstances the parents are stressed.

Well, you'd be fired pretty quick if you tried to pull that nonsense. The nanny wasn't "wronged" by anyone. She was in a car accident. This is not the employer's fault. It sounds like it wasn't the nanny's fault either. The nanny will be compensated for the worth of her car based on the value determined by her insurance company. Then she will go buy a new car with that money. There is no reason or obligation for the employer to 'help' her replace her car "with a similarly valued car". That's what insurance is for. If the employers want to be helpful, they can help her with the deductible.

It sounds like you don't understand how insurance works. I would caution you to educate yourself before making your employer's lives hell and getting yourself fired.

[Anonymous]

Anonymous wrote:

Who said anything about a $20k car? They could HELP to replace it with a similarly valued car. If they made no effort to make things right, yes I would make their lives hell because I would be absolutely livid. Many parents fail to understand the havoc a wronged nanny can wreak. Even when I quit a job under the best and most helpful circumstances the parents are stressed.

Well, you'd be fired pretty quick if you tried to pull that nonsense. The nanny wasn't "wronged" by anyone. She was in a car accident. This is not the employer's fault. It sounds like it wasn't the nanny's fault either. The nanny will be compensated for the worth of her car based on the value determined by her insurance company. Then she will go buy a new car with that money. There is no reason or obligation for the employer to 'help' her replace her car "with a similarly valued car". That's what insurance is for. If the employers want to be helpful, they can help her with the deductible.

It sounds like you don't understand how insurance works. I would caution you to educate yourself before making your employer's lives hell and getting yourself fired.

Ignore her idle threats.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Who said anything about a $20k car? They could HELP to replace it with a similarly valued car. If they made no effort to make things right, yes I would make their lives hell because I would be absolutely livid. Many parents fail to understand the havoc a wronged nanny can wreak. Even when I quit a job under the best and most helpful circumstances the parents are stressed.

Well, you'd be fired pretty quick if you tried to pull that nonsense. The nanny wasn't "wronged" by anyone. She was in a car accident. This is not the employer's fault. It sounds like it wasn't the nanny's fault either. The nanny will be compensated for the worth of her car based on the value determined by her insurance company. Then she will go buy a new car with that money. There is no reason or obligation for the employer to 'help' her replace her car "with a similarly valued car". That's what insurance is for. If the employers want to be helpful, they can help her with the deductible.

It sounds like you don't understand how insurance works. I would caution you to educate yourself before making your employer's lives hell and getting yourself fired.

Ignore her idle threats.

You realize this was a hypothetical right? IF I were her nanny. IF. The general intelligence level of this site appears to be headed the way of its morality level; approaching zero.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Who said anything about a $20k car? They could HELP to replace it with a similarly valued car. If they made no effort to make things right, yes I would make their lives hell because I would be absolutely livid. Many parents fail to understand the havoc a wronged nanny can wreak. Even when I quit a job under the best and most helpful circumstances the parents are stressed.

Well, you'd be fired pretty quick if you tried to pull that nonsense. The nanny wasn't "wronged" by anyone. She was in a car accident. This is not the employer's fault. It sounds like it wasn't the nanny's fault either. The nanny will be compensated for the worth of her car based on the value determined by her insurance company. Then she will go buy a new car with that money. There is no reason or obligation for the employer to 'help' her replace her car "with a similarly valued car". That's what insurance is for. If the employers want to be helpful, they can help her with the deductible.

It sounds like you don't understand how insurance works. I would caution you to educate yourself before making your employer's lives hell and getting yourself fired.

Ignore her idle threats.

You realize this was a hypothetical right? IF I were her nanny. IF. The general intelligence level of this site appears to be headed the way of its morality level; approaching zero.

I find it hard to believe anyone would employ you as a nanny. You border on the irrational.

[Anonymous]

Okay ..sometimes we all know that what insurances offer for your car is basically a form of thievery. Your car can be an older car in great working condition and can last you for another couple of years but you won't be compensated for that. They would offer you 4k or 5k..now take that money and try to purchase another vehicle like the one you took such great care with..I DARE YOU...you will soon see only crap out there so now you are left with your only other option..another car whether new or younger than your previous vehicle...But regardless the Nanny is screwed...
Sometimes it's simpler to just say no..I would have said to my employer I'm sorry but my car is old and giving a little bit of trouble and while I don't mind taking a chance by myself I wouldn't dream of having the kids in there I love them too much for me to risk them getting hurt...
Now tell me if you're their parent would you now demand or even ask me to drive them in my car?

[Anonymous]

Anonymous wrote:Okay ..sometimes we all know that what insurances offer for your car is basically a form of thievery. Your car can be an older car in great working condition and can last you for another couple of years but you won't be compensated for that. They would offer you 4k or 5k..now take that money and try to purchase another vehicle like the one you took such great care with..I DARE YOU...you will soon see only crap out there so now you are left with your only other option..another car whether new or younger than your previous vehicle...But regardless the Nanny is screwed...
Sometimes it's simpler to just say no..I would have said to my employer I'm sorry but my car is old and giving a little bit of trouble and while I don't mind taking a chance by myself I wouldn't dream of having the kids in there I love them too much for me to risk them getting hurt...
Now tell me if you're their parent would you now demand or even ask me to drive them in my car?

Unnecessary dramatics. It doesn't sound like OP demanded anything. The nanny offered the use of her car.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Okay ..sometimes we all know that what insurances offer for your car is basically a form of thievery. Your car can be an older car in great working condition and can last you for another couple of years but you won't be compensated for that. They would offer you 4k or 5k..now take that money and try to purchase another vehicle like the one you took such great care with..I DARE YOU...you will soon see only crap out there so now you are left with your only other option..another car whether new or younger than your previous vehicle...But regardless the Nanny is screwed...
Sometimes it's simpler to just say no..I would have said to my employer I'm sorry but my car is old and giving a little bit of trouble and while I don't mind taking a chance by myself I wouldn't dream of having the kids in there I love them too much for me to risk them getting hurt...
Now tell me if you're their parent would you now demand or even ask me to drive them in my car?

Unnecessary dramatics. It doesn't sound like OP demanded anything. The nanny offered the use of her car.

I agree, but I also agree that the nanny is now looking at a major purchase that she may not have the money for and hadn't planned to make. The accident was NOT HER FAULT, and her car would have been safely parked somewhere if she hadn't needed it for work that particular day. This is a gray area for me. Insurance paid what the car was worth for sale and the parents probably don't owe it to her to make her "whole" (i.e., buy her another car with same life expectancy as the one she had), but the difference between owning a used car that isn't worth much if you tried to sell it, and buying a used car that's safe and reliable could be another few thousand dollars.

I think that morally the parents need to help the nanny buy a comparable car, possibly kicking in some cash and/or providing a no-cost loan.

I also think this is another reason why it's always a better idea to have a nanny car. Then it would be the parents deciding what to do about the insurance settlement, and whether they wanted to upgrade at that point.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Okay ..sometimes we all know that what insurances offer for your car is basically a form of thievery. Your car can be an older car in great working condition and can last you for another couple of years but you won't be compensated for that. They would offer you 4k or 5k..now take that money and try to purchase another vehicle like the one you took such great care with..I DARE YOU...you will soon see only crap out there so now you are left with your only other option..another car whether new or younger than your previous vehicle...But regardless the Nanny is screwed...
Sometimes it's simpler to just say no..I would have said to my employer I'm sorry but my car is old and giving a little bit of trouble and while I don't mind taking a chance by myself I wouldn't dream of having the kids in there I love them too much for me to risk them getting hurt...
Now tell me if you're their parent would you now demand or even ask me to drive them in my car?

Unnecessary dramatics. It doesn't sound like OP demanded anything. The nanny offered the use of her car.

I agree, but I also agree that the nanny is now looking at a major purchase that she may not have the money for and hadn't planned to make. The accident was NOT HER FAULT, and her car would have been safely parked somewhere if she hadn't needed it for work that particular day. This is a gray area for me. Insurance paid what the car was worth for sale and the parents probably don't owe it to her to make her "whole" (i.e., buy her another car with same life expectancy as the one she had), but the difference between owning a used car that isn't worth much if you tried to sell it, and buying a used car that's safe and reliable could be another few thousand dollars.

I think that morally the parents need to help the nanny buy a comparable car, possibly kicking in some cash and/or providing a no-cost loan.

I also think this is another reason why it's always a better idea to have a nanny car. Then it would be the parents deciding what to do about the insurance settlement, and whether they wanted to upgrade at that point.

OP does have car that the nanny usually uses. It was in the shop that day. Just a series of unfortunate events, as my DS would say.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Okay ..sometimes we all know that what insurances offer for your car is basically a form of thievery. Your car can be an older car in great working condition and can last you for another couple of years but you won't be compensated for that. They would offer you 4k or 5k..now take that money and try to purchase another vehicle like the one you took such great care with..I DARE YOU...you will soon see only crap out there so now you are left with your only other option..another car whether new or younger than your previous vehicle...But regardless the Nanny is screwed...
Sometimes it's simpler to just say no..I would have said to my employer I'm sorry but my car is old and giving a little bit of trouble and while I don't mind taking a chance by myself I wouldn't dream of having the kids in there I love them too much for me to risk them getting hurt...
Now tell me if you're their parent would you now demand or even ask me to drive them in my car?

Unnecessary dramatics. It doesn't sound like OP demanded anything. The nanny offered the use of her car.

I agree, but I also agree that the nanny is now looking at a major purchase that she may not have the money for and hadn't planned to make. The accident was NOT HER FAULT, and her car would have been safely parked somewhere if she hadn't needed it for work that particular day. This is a gray area for me. Insurance paid what the car was worth for sale and the parents probably don't owe it to her to make her "whole" (i.e., buy her another car with same life expectancy as the one she had), but the difference between owning a used car that isn't worth much if you tried to sell it, and buying a used car that's safe and reliable could be another few thousand dollars.

I think that morally the parents need to help the nanny buy a comparable car, possibly kicking in some cash and/or providing a no-cost loan.

I also think this is another reason why it's always a better idea to have a nanny car. Then it would be the parents deciding what to do about the insurance settlement, and whether they wanted to upgrade at that point.

OP does have car that the nanny usually uses. It was in the shop that day. Just a series of unfortunate events, as my DS would say.

Then she should give that car to the nanny to use for the insurance payout. And she should try to find a decent car for that same amount. My point was that when you aren't planning to have to lay out money for a new car, it doesn't help that someone paid you for your old one if it won't cover the new one.

[Anonymous]

I agree, but I also agree that the nanny is now looking at a major purchase that she may not have the money for and hadn't planned to make. The accident was NOT HER FAULT, and her car would have been safely parked somewhere if she hadn't needed it for work that particular day. This is a gray area for me. Insurance paid what the car was worth for sale and the parents probably don't owe it to her to make her "whole" (i.e., buy her another car with same life expectancy as the one she had), but the difference between owning a used car that isn't worth much if you tried to sell it, and buying a used car that's safe and reliable could be another few thousand dollars.

I think that morally the parents need to help the nanny buy a comparable car, possibly kicking in some cash and/or providing a no-cost loan.

I also think this is another reason why it's always a better idea to have a nanny car. Then it would be the parents deciding what to do about the insurance settlement, and whether they wanted to upgrade at that point.

Well, accidents happen. Most people probably don't appreciate looking at a major purchase they weren't planning on and may not have the money for through no fault of their own.

There is no gray area. The employer is not responsible for giving nanny money above the insurance company's valuation of the nanny's car simply because the nanny might not find a car she likes within the insurance payout amount or because she wasn't planning on buying a better car. Accidents happen. Just like it isn't the nanny's fault (or so OP says), it definitely isn't the NF's fault.

As for the "moral" argument, this is infantilizing to nannies and inappropriate if a nanny wants to be considered a professional.