Ugh. Just dinged NF car

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Since someone asked for an update, my insurance company confirmed that the policy follows the car, not the driver. I also got a message today from their insurance provider (I'll call back after work), so presumably MB has already been told this by her insurance co.

I asked for the update. I am interested to know what her insurance company says. My employers have a $10,000 deductible, seriously. Obviously that is their choice, but not something I am willing to take responsibility for. Now you know to discuss this during the hiring process. I haven't discussed it either, but will in the future. Keep us posted!

I make it clear during hiring that I don't drive a vehicle until I see proof that I'm a covered driver. I also make sure that the contract stipulates that I drive their car for their convenience, not mine, so I am only responsible for the deductible if I purposefully caused damage.

What is your limit on the deductible? They range from $200-$10,000.

If I purposefully covered damage (wouldn't happen), insurance won't cover and I'm responsible for the full amount; willful damage or destruction of employer's property is also grounds for immediate termination for cause. Any other situation and I'm not responsible for paying anything.

I guess I was reading that as "at fault" vs purposely. What is your opinion regarding OP's situation, where she is at fault but not purposely damaging their vehicle?

[Anonymous]

It's on the parents IMO - you are an employee driving on their time.

Their choice to have the $10K insurance deductible - you obviously wouldn't take that risk yourself. Most I would do is offer the deductible you would pay on your own vehicle, and that I believe is very generous. MB here too, not a nanny.

They are called accidents for a reason.

[Anonymous]

Anonymous wrote:It's on the parents IMO - you are an employee driving on their time.

Their choice to have the $10K insurance deductible - you obviously wouldn't take that risk yourself. Most I would do is offer the deductible you would pay on your own vehicle, and that I believe is very generous. MB here too, not a nanny.

They are called accidents for a reason.

My employers have the $10,000 deductible, not OP's.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Since someone asked for an update, my insurance company confirmed that the policy follows the car, not the driver. I also got a message today from their insurance provider (I'll call back after work), so presumably MB has already been told this by her insurance co.

I asked for the update. I am interested to know what her insurance company says. My employers have a $10,000 deductible, seriously. Obviously that is their choice, but not something I am willing to take responsibility for. Now you know to discuss this during the hiring process. I haven't discussed it either, but will in the future. Keep us posted!

I make it clear during hiring that I don't drive a vehicle until I see proof that I'm a covered driver. I also make sure that the contract stipulates that I drive their car for their convenience, not mine, so I am only responsible for the deductible if I purposefully caused damage.

What is your limit on the deductible? They range from $200-$10,000.

If I purposefully covered damage (wouldn't happen), insurance won't cover and I'm responsible for the full amount; willful damage or destruction of employer's property is also grounds for immediate termination for cause. Any other situation and I'm not responsible for paying anything.

I guess I was reading that as "at fault" vs purposely. What is your opinion regarding OP's situation, where she is at fault but not purposely damaging their vehicle?

I wouldn't have driven the car unless I knew that an accident was on them. I agree that OP is not responsible, and the amount of the deductible doesn't matter.

[Anonymous]

I'm an MB and a lawyer and this is horrible. The family shouldn't have asked you to run it through your insurance. They sound crappy. Hopefully they don't have a high deductible, but if they do, that is their decision to monetize their risk and they should hopefully have an emergency fund to cover it (but I doubt they do).

If you were our nanny, we would not have asked you to pay anything. A ding/accident is a risk you take when you ask your nanny to drive your children. That's why people have insurance for their own car.

I'm sorry this happened, you sound conscientious. It was an accident that happened while you were working for them. That doesn't mean you should have to pay for it.

[Anonymous]

Anonymous wrote:I'm an MB and a lawyer and this is horrible. The family shouldn't have asked you to run it through your insurance. They sound crappy. Hopefully they don't have a high deductible, but if they do, that is their decision to monetize their risk and they should hopefully have an emergency fund to cover it (but I doubt they do).

If you were our nanny, we would not have asked you to pay anything. A ding/accident is a risk you take when you ask your nanny to drive your children. That's why people have insurance for their own car.

I'm sorry this happened, you sound conscientious. It was an accident that happened while you were working for them. That doesn't mean you should have to pay for it.

[Anonymous]

Anonymous wrote:I'm an MB and a lawyer and this is horrible. The family shouldn't have asked you to run it through your insurance. They sound crappy. Hopefully they don't have a high deductible, but if they do, that is their decision to monetize their risk and they should hopefully have an emergency fund to cover it (but I doubt they do).

If you were our nanny, we would not have asked you to pay anything. A ding/accident is a risk you take when you ask your nanny to drive your children. That's why people have insurance for their own car.

I'm sorry this happened, you sound conscientious. It was an accident that happened while you were working for them. That doesn't mean you should have to pay for it.

I wouldn't have asked you to run it through your insurance or pay for it either. We have a third car that is pretty dinged up that we bought new for nanny use ten years ago.

[Anonymous]

OP- an update?

[Anonymous]

Anonymous wrote:OP- an update?

We never talked about it directly, but when I spoke to my insurance company and they stated that they do not cover the driver, but rather the car. They ran it through their insurance, so apparently they were told the same thing.

[Anonymous]

Anonymous wrote:

Anonymous wrote:OP- an update?

We never talked about it directly, but when I spoke to my insurance company and they stated that they do not cover the driver, but rather the car. They ran it through their insurance, so apparently they were told the same thing.

If it is a rental car, they cover it.